Not everyone knows that Sberbank has a debit card that is issued free of charge in ten minutes, it has free service and free Internet banking. But you may not immediately find it on the Sberbank website.

Momentum - free Sberbank card

This is an instant card: an instant Visa or MasterCard card called Momentum. You won’t immediately find it in the “Select card” navigation menu, but if you click “select a debit card” there, you can find it at the end of the list.

Payment system: Visa, MasterCard
Card account currency: rubles, US dollars, euros
Card validity: 3 years
Cost of maintenance and reissue: free
Registration of additional cards: no

What can the Momentum card do?

Yes, almost all basic operations: pay for purchases in stores, including online and abroad, withdraw cash. Among the restrictions are the limit on cash withdrawal from the Bank’s ATM (at the moment this is no more than 50 thousand rubles / per day), the limit on making payments for goods and services (no more than 100 thousand rubles / per day). You can withdraw cash in large amounts at the Sberbank cash desk or at ATMs and cash desks of other banks, but commissions already arise there.

Well, and importantly, it is also a full-fledged Internet bank “Sberbank-Online”, which makes it possible to make free transfers to Sberbank clients and other well-known operations.

How to apply for a Momentum card?

The technology for obtaining a card is simple: come to any Sberbank branch and say that you want to receive a free debit card Momentum. True, a surprise may await you here. 🙂

They say that sometimes a whole council of bank employees gathers, who will begin to dissuade you, tell you that this card is unsafe, and will try to sell you a paid, or better yet, credit card. But be persistent and insist that what you need is Momentum and nothing else. The employees will give up and give you a card (although they say there are times when these cards run out in branches).

The next frontier is ATM consultants. They will try to impose a paid mobile bank on you and insist that otherwise all your money will definitely be stolen. Feel free to refuse and generally tell them that you will do everything yourself without their help. You insert a new card into the ATM, enter the PIN code that you came up with when you received the card, click in the lower right corner (where the services are) and select “mobile bank”, and then the “Economy” tariff. The Economy tariff is free and according to it you will receive SMS messages on your phone about the transfer of money to your card and passwords for debiting money. You won’t receive SMS messages about expenses, but often this is not really that important.

If you do not have Sberbank Online connected, connect it in the same ATM menu.

Why is it needed at all?

All this may confuse you and you may wonder why it is needed? I will answer this way:

Even if you use cards from other banks, sometimes the simplest Sberbank card is simply necessary - half of the country’s population has a card from this particular bank, and in order to send or receive money to someone you always need Sber.

You can, for example, give your teenage children such a card so that they can pay for lunch at school as pocket money.

And in general, this is just a great way to save money with a very high quality of services. You can, of course, pay attention to the “Mir” card, but it is mainly intended and issued only to pensioners, benefit recipients and state employees.

Sberbank is the largest issuer of payment cards. As of December 31, 2016, its share in the credit card market was 42.8%, and the portfolio increased to 427.7 billion rubles. According to statistics, every fourth resident of Russia has a bank debit card.

Analysis of the line of Sberbank debit cards

Sberbank issues cards of VISA and MasterCard payment systems. Starting from October 2016, the bank began issuing cards of the domestic Mir system.

Table 1 provides a description of the main debit cards of Sberbank.

Table 1.

Name	Maintenance cost (per year), rub.	Description	Maximum daily withdrawal limit without commission, thousand rubles	Maximum amount of funds transferred per day, thousand rubles
Visa Platinum, MasterCard Platinum	4900 – when processing plastic under standard conditions; free of charge - when issued as part of the Sberbank Premier service package.	“Thank you” bonus points are awarded in greater quantities. The premium programs “Purchase Protection” (insurance protection against loss and theft of a purchase within 90 days from the date of purchase), “Extended Warranty” (for non-cash purchases, the warranty is extended 2 times), additionally provides medical insurance.	1000	500
Visa Gold, MasterCard Gold	3000	Availability of special programs from partners and payment systems (discounts, bonuses, prize draws, etc.).	600	500
Visa Classic, MasterCard Standard	750 for the first year, 450 for subsequent years.	High level of protection, emergency issuance of funds outside the country.	300	500
Visa Classic, Visa Gold, Visa Platinum	Classic: 1000, for the following periods - 450. Gold: 4000, for the following periods - 3000. For premium plastic, 15 thousand rubles are charged for the first year 6 of service, for subsequent periods - 10 thousand rubles.	0.3% of the purchase amount goes to the Gift of Life charity foundation. The same amount of funds is sent by a financial institution.	300	500
Aeroflot Visa: Classic, Gold, Signature	Signature: 12 thousand rubles; Gold - 3500 rubles; Classic - 900 rubles.	For each non-cash purchase, miles are awarded, which can be exchanged for flights. For every 60 rubles spent, 1 to 2 miles are awarded (depending on the type of plastic)	300	500
"World"	0	The card of the domestic payment system provides for the accrual of 3.5% per annum on the balance of funds. SMS notifications about incoming and outgoing transactions are provided free of charge for the first 2 months. Issued only in rubles.	50	150
Momentum Visa and MasterCard	01	Release is carried out in 10 minutes. There is no provision for issuing additional cards.	50	100

How to remotely order a Sberbank debit card

You can order cards both on the bank’s official website and through your personal account in Sberbank Online Internet banking.

Design of a map on the website

To submit an online application for issuing a debit card, you must adhere to the following algorithm:

• go to the bank's main page using the link: https://www.sberbank.ru;
• select your region from the list;
• go to the “Select card” section;
• familiarize yourself with the terms of issue and tariffs;
• select a product;
• click the “Apply online” option;
• fill out a virtual form ( indicate your full name, place and date of birth, contact phone number, email, passport details);
• select the department to which the plastic will be delivered;
• confirm the accuracy of the specified information by activating the “Complete” option.

Important! Card delivery times may vary between regions. On average, it arrives at the bank’s branch within 10 days. When issuing gold and premium cards, a call center specialist contacts the client to confirm their issue.

Sberbank sets minimum requirements for debit card holders, namely:

• age - from 18 years;
• citizenship - Russian Federation;
• availability of permanent registration in the country.

Important!

The bank reserves the right to refuse to issue plastic without giving reasons. The black list includes clients who have violated the requirements of 115-FZ “On combating the legalization (laundering) of proceeds from crime and the financing of terrorism,” as well as persons with a criminal record for crimes in the field of economic activity (Chapter 22 of the Criminal Code of the Russian Federation).

Applying for a card through Internet banking “Sberbank Online”

To submit an online application, you must complete the following steps:

The advantage of this method is the minimal time spent on issuing a payment instrument, since filling out a virtual form is not required.

Good to know! You can order a card with an individual design via the Internet. This service is paid (an additional 500 rubles will be charged). You can upload an image from a social network account.

Analysis of the Sberbank credit card line

The bank offers borrowers 10 types of credit cards for all occasions (Table 2). They are distinguished by a high level of protection, an individual approach to setting limits and pricing conditions.

Sberbank credit cards can be divided into four types:

• instant;
• standard;
• gold;
• privileged.

If you need money urgently, then you should order an instant card, because you can receive the money on the day you apply. For people with an average income, the best option would be to issue a standard credit card. Gold and privileged cards are issued only to participants in the salary project.

Requirements to receive:

1. Official income.
2. Citizenship of the Russian Federation.
3. Good credit history.
4. Must be 21 years of age or older.

Table 2. Line of credit cards

Name	Maximum available borrowing limit, rubles	Duration of grace period, days	Cost of annual maintenance, rubles	Annual loan interest, %
Classic
Visa Classic, MasterCard Standard	up to 600 thousand	up to 50	from 0 to 750 rubles (free for participants of the salary project and as part of promotions)	23,9 – 27, 9
Gold
Visa Gold, MasterCard Gold	up to 600 thousand	up to 50	from 0 to 3000 rubles (in 2017, as part of the promotion, free for all clients)	23, 9 – 27,9
Premium
Visa Signature and MasterCard World Black Edition	up to 3 million	up to 50	4900	21,9
Instant
Visa Momentum, MasterCard Momentum	up to 600 thousand	up to 50	for free	23,9 – 27,9
Charitable
Visa Classic “Give Life”	up to 600 thousand	up to 50	from 0 to 900	23,9 – 27,9
For travelers
Visa Classic, Gold, Signature	up to 3 million	up to 50	from 900 to 12 thousand (depending on the type of credit card)	21,9

Ordering a Sberbank credit card online via the Internet is a little more complicated, as proof of creditworthiness is required.

To apply for a credit card, the borrower must meet the minimum requirements:

• age restrictions - from 21 to 65 years;
• work experience - at least 12 months over the last 5 years (at the last place of work - at least 6 months).

As stop factors for obtaining a credit card, one can note the borrower’s low solvency, damaged credit history, high debt load, and a criminal record under the article “Fraud.”

How to apply for a credit card online

The easiest way is to order a credit card through the Sberbank Online system. In this case, the potential borrower will not need to enter passport data, registration address, date and place of birth, since this information was previously indicated when concluding a universal banking service agreement.

The algorithm for ordering a credit card via Internet banking includes the following steps:

1. login;
2. go to the “Maps” section;
3. selecting the “Order a credit card” option;
4. choosing the type of payment system;
5. indication of the borrowing limit;
6. familiarization with the conditions;
7. indication of personal information (phone number, email address, time to contact a contact center specialist);
8. activation of the “Order card” option.

The completed form is sent to the bank branch. Subsequently, a call center employee contacts the client to clarify formalities.

Important! The selected credit limit can be reduced by the lender unilaterally. Its value is primarily influenced by the financial stability and solvency of the applicant.

You can also apply for a credit card on the bank’s official website. Clients who have access to the Sberbank Online Internet bank are automatically redirected to their personal account. The rest need to provide a contact phone number and fill out online forms.

Ordering a card online saves a lot of time. Sberbank offers the most convenient terms for issuing a card, which sets it apart from its competitors.

Plastic products from Sberbank, the most popular financial institution in Russia, are in great demand. The question of how to get a Sberbank card is always relevant. With its help, you can carry out a wide range of non-cash payments, from purchasing goods to sending transfers. The issue of cards from SB is based on the needs of the country's population. When choosing a means of payment, every Russian can find the option that best suits his needs.

Rules for issuing a Sberbank card

You can make a Sberbank bank card in any region of the Russian Federation, regardless of the place of registration. To submit an application you need to provide a minimum of documents. Processing takes from 1 to 10 working days (depending on the type). It will take another day to activate the banking product.

How to get a? Registration procedure

If you want to apply for a Sberbank card, there are 2 options for applying:

1. At a branch of a financial institution. You can go to any office and write a request.
2. Online on the Sberbank website. To receive electronic plastic, you will need to come to the office of the institution.

To identify yourself, you must present a passport. Depending on the type of card chosen, an initial amount may be required to open an account. The standard algorithm of actions is as follows:

1. Contact a Sberbank employee.
2. Present your passport.
3. You are writing a statement.
4. You are waiting for the due date.
5. Come to the circulation office to pick up your card.

Reasons for refusal

The percentage of refusals to citizens who apply is not high. They can say “no” for the following reasons:

• everything needed for the issue was presented, but Sberbank employees suspected that the applicant had provided false information about himself;
• the applicant does not meet the requirements set by the financial institution for clients;
• the client already has a sufficient number of plastic cards (restrictions are individual);
• The applicant appears on the bank blacklist.

Requirements put forward by Sberbank to clients

The bank imposes a standard set of requirements on each applicant. For debit plastic it is:

If you intend to take out a credit card from Sberbank, you will be subject to more stringent requirements:

• Russian citizenship (there may be exceptions to this rule);
• having a permanent residence permit on the territory of the Russian Federation;
• age of majority (some programs require the applicant to be 21 years old);
• ability to work (not disabled or retired);
• total work experience of at least 1 year (officially);
• availability of work at the time of application;
• work at the last place of employment for at least 3 months (sometimes six months are required).

Sberbank’s requirements are not much different from the criteria of other financial institutions in Russia.

Variety of plastic cards

Sberbank produces several options for plastic payment instruments:

1. Universal. Allows you to solve most financial problems. Possible execution: classic, gold, platinum. The cost of manufacturing and maintenance depends on the choice of option.
2. Cards issued with the support of financial institution partners. For example, Sberbank issues a joint means of payment with Aeroflot. This card is most suitable for citizens who fly frequently.
3. Individual premium electronic cards. You can order only in some Sberbank branches that serve under the Premier program.

Price. Is a free issue possible?

The price range for servicing Sberbank plastic cards is wide: from 0 to 10,000 rubles per year. The best option is universal monetary media. They are inexpensive to operate. And if you follow Sberbank’s regularly held promotions, you can get a card completely free.

Standard Terms of Service

Before ordering and picking up a card from Sberbank, study the main points of working with cards of various types:

1. MasterCard Standard, Visa Classic and their partner type analogues cost users 750.00 rubles during the first year. In subsequent years of operation - 450.00 rubles. If this product is reissued, no money will be charged. If the plastic is lost, you will have to pay 150.00 rubles. Statements are sent for an additional fee.
2. Visa Electron and Maestro cost 300.00 rubles per year. There is no need to pay for reissue; early issue will cost 60.00 rubles. You must pay 15.00 for checkout.
3. “Student” Maestro is issued free of charge. During the year, 150.00 rubles will be charged for its operation. Re-issue – 30.00, check-out – 15.00.
4. "Social" Maestro is provided free of charge. You will only have to pay if early reissue is necessary - 30.00 rubles.
5. Maestro Momentum is free. Extract costs 15.00 rubles.

Users of salary cards do not pay for either issue or maintenance. All expenses are borne by the employer.

Additional features

The advantage of plastic from Sberbank is that its users have access to all the latest technologies in the banking market.

Hello, friends! I invite you to get acquainted with a review of another banking product from a lover of comparative tables and in-depth analysis. This time the focus is on the Sberbank debit card. Bet you have one of these in your wallet?

According to the Central Bank of the Russian Federation, in recent years there has been a steady increase in the issuance of bank cards by all credit institutions. For example, during the period from October 1, 2016 to October 1, 2017, the production volume increased by 16,262 thousand units. Of these, 88% are debit cards, and only 12% are credit cards.

Sberbank remains the most popular bank among the Russian population. Therefore, today we will talk about debit products, and specifically about the Sberbank debit card. Why about her?

When I needed to get a plastic card, I asked myself 3 questions:

1. What means do I prefer to pay for daily purchases: with my own or sometimes with borrowed money? Answer: our own.
2. When I don’t have enough money before payday, do I prefer to cut expenses or borrow from friends and family? The answer: cut costs.
3. If unexpected expenses arise, do I prefer to borrow or use accumulated funds? Answer: use savings.

The answers left me with no choice: I only need a debit card. There was only one question: which one exactly?

I wrote earlier, . Therefore, I am familiar with the terminology.

I don’t fall for loud advertising campaigns on the Internet, I don’t feel nostalgia for the past when there was only one bank in the country, and I’m not tempted by the lucrative offers of telephone campaigners. I took a different route: I studied the official websites of banks that offer debit payment methods for individuals. I considered all their pros and cons.

I think that my review will help you make the right choice, which is based only on cold calculation and not on emotions. In the article you will not see my subjective preferences, because each of us has our own goal for purchasing a plastic wallet. Here are only real tariffs, terms of use, cost of service.

Types of Sberbank debit cards

Today Sberbank offers the following types of cards:

1. Classic (Visa, MasterCard and MIR).
2. For travel (classic, gold and premium Aeroflot).
3. Youth (Visa, MasterCard).
4. Pension WORLD.
5. Gold (Visa, MasterCard and MIR).
6. With big bonuses (Platinum Visa).
7. With individual design.
8. For charity (classic, gold and platinum “Give Life”).
9. Instant (Visa, MasterCard).
10. With the Troika transport application.

Of these without annual maintenance: MIR pension card and instant cards. Only a pension card is issued with interest accrued on the account balance. And everything from the presented list comes with cashback (if you connect to the “Thank you from Sberbank” program), i.e., with a refund of interest (bonus accrual) for purchases.

There are 25 species in total. How to choose the one that meets all requirements and expectations? Read on and find out everything about the tariffs, conditions and cost of service.

How to open a card: where, how much it costs and production time

A debit card can be ordered at any Sberbank branch (17,493 branches in 83 constituent entities of the Russian Federation) or online by leaving a request on the website. This can only be done by a citizen who has permanent or temporary registration on the territory of the Russian Federation (from 14 years old independently or from 7 years old for an additional card with the consent of legal representatives).

You can submit an application in two ways:

1. Personally visit a Sberbank branch, fill out an application at the bank and conclude an agreement.

Advice from my own experience: it is better to choose a branch in the area closest to your place of residence or work. If problems arise, you will need to go exactly to where you received the payment instrument. For example, my registration changed, and now, in order to replace a card or resolve some issue, I have to go to the other end of the city.

2. Apply online. To do this you need to go through 3 simple steps:

• fill in your full name in Russian and Latin letters, email and mobile phone;
• enter passport details;
• select the address of the bank branch where you will pick up the payment instrument.

After approval of the application, you must come to the bank on the appointed day and receive the card.

If you apply via the Internet, you must wait for an SMS or phone call that the card is ready. Again, speaking from personal experience, I warn you that this does not always work. After a long wait for the treasured message, I had to find out this information myself.

The card can be opened in rubles, US dollars and euros for a period of 3 to 5 years (depending on the type). There is no registration fee. The answer to the question of how long it takes to make a card depends on its type. Unnamed (instant) ones are issued immediately. The rest - on average from 10 to 14 days.

How to use a Sberbank debit card

Activation

When you receive a plastic card, you are given a PIN code in a special envelope, or you come up with it directly at the bank during registration. The bank will activate it no later than the next day after receiving the card. You can do this yourself. It is enough to make a transaction at an ATM or payment terminal. If the PIN code was set at the bank (without an envelope), then the card is activated immediately.

How to pay for goods or services

When paying in a retail chain, you must notify the cashier that you will be paying with a card. Insert it into the payment terminal and enter the PIN code. If the card has the function of a contactless payment system, then you just need to bring it to the screen. The cashier may ask you to sign the check. And in case of payment for a purchase more than 1,000 rubles. You will need to enter your PIN code.

When paying for goods or services online, you will be asked to enter your account details. After this, you should receive an SMS to confirm the payment.

Is it possible to go into the red with a debit card? Of course you can. This is called a technical overdraft. Read more about this phenomenon in my article. An overdraft is the provision of funds by the bank to pay you for an amount that is not in your debit account. In simple words, you become a debtor to the bank. This often occurs when making payments abroad due to differences in exchange rates.

How to top up a debit card

Sberbank offers several options. Choose the method that is convenient for you:

1. Through an ATM.
2. From one card to another.

How to close a card

If you no longer want to use your Sberbank debit card, you must contact the branch and write a statement refusing to use the card. In a month the account will be closed. If there is money left over, you can:

• withdraw cash after account closure,
• transfer to any other means of payment using the details specified in the application.

After completing the application for closure, all cards linked to the account are blocked. They cannot be unlocked.

Now it's time to move on to specific tariffs. For analysis I chose the most popular ones:

Tariffs for Sberbank debit cards

Visa	Visa	Visa
Annual maintenance cost
750 rub. / 25 $ / 25 € (1st year of service)	For free	150 rub. (1st year of service)
450 rub. / 15 $ / 15 € (all subsequent years)	For free	150 rub. (1st year of service)
Reissue cost
For free (next)	For free	For free (next)
150 rub. / 5 $ / 5 €	For free	150 rub. (early reissue in case of loss of the card, PIN code, change in the holder’s personal data)
Cash replenishment at ATMs and bank tellers
For free	For free	For free
Cash withdrawal from ATMs and bank tellers
No commission	Only where the account is opened: no commission (within daily limit)	No commission (within daily limit)
	0.75% of the issue amount (within daily limit)
0,5 %	Only where the account is opened: 0,5 % (based on the amount exceeding the daily limit)	0,5 % (based on the amount exceeding the daily limit)
	In another regional bank: 0,75 % (based on the amount exceeding the daily limit)
Cash withdrawal from ATMs and cash desks of other banks
At ATMs: 1% of the amount, but not less than 100 rubles. / 3 $ / 3 €		At ATMs: 1% of the amount, but not less than 100 rubles.
At the box office: 1% of the amount, but not less than 150 rubles. / 5 $ / 5 €		At the box office: 1% of the amount, but not less than 150 rubles.
Cash withdrawal limit
Per day: 150,000 rub.	Per day: 50,000 rub.	Per day: 150,000 rub.
Per month: RUB 1,500,000.	Per month: 100,000 rub.	Per month: RUB 1,500,000
Payment by card
No commission	No commission (limit on payment transactions – 100,000 rubles per day)	No commission

I want to consider the advantages and disadvantages of each type. I liked conducting the analysis and presenting its results in the form of a table so much that I caught another one.

Visa Classic / MasterCard Standard	Visa Classic “Momentum” / MasterCard Standard “Momentum”	Visa Classic “Youth” / MasterCard Standard “Youth”
Advantages
Linking to an electronic wallet (for example, Yandex Money). Large cash withdrawal limit.	Processing speed. Free annual maintenance. Free reissue.	Low cost of annual maintenance. Possibility to receive money in cash if the card is lost abroad. Receive cash without commission within the daily limit. Payment for goods and services without commission. Large withdrawal limit.
Flaws
High cost of annual maintenance. Long processing time. Inconvenient bonus system.	Cash withdrawal without commission is possible only where the account is opened. Small withdrawal limit. Limiting payment transactions per day. Inconvenient bonus system. There is no interest on the account balance.	Long processing time. Restriction on cash withdrawals. Inconvenient bonus system. There is no interest accrual on the account balance.

To receive cashback (return of part of the money spent on each purchase), connect to the “Thank you from Sberbank” program. This can be done by sending an SMS or by connecting it through a mobile application, on the bank’s website and at an ATM.

Loyalty program in Sberbank style:

1. Cashback (bonuses) - 0.5% is awarded for each purchase. 1 bonus = 1 ruble.
2. Increased bonuses are awarded only for some partner products.
3. Bonuses can be used to pay for goods and services from bank partners. A list of them is on the official website.
4. If you have not spent your accrued bonuses within 36 months, they will expire.
5. Bonuses are virtual rubles. They cannot be withdrawn in cash and spent at your discretion.

My review of the Sberbank debit card

1. Many ATMs and branches in any city in Russia (and abroad too). No problems with cash withdrawal.
2. Convenient mobile application.
3. Contactless payment system.
4. The ability to link a card to the Yandex Money e-wallet, which is of great importance to me as a freelancer.
5. Most citizens own a Sberbank card, so there are no problems with transferring and receiving money from one to another.
6. You can connect the Piggy Bank service, then part of the money will be automatically set aside.

1. There are always queues at the ATMs.
2. There is no service for calculating interest on the account balance.
3. Sometimes the system crashes. For example, they do not notify you when the card is ready.
4. Territorial attachment to the bank branch where you received the card. Therefore, with any problem you have to go there.
5. A very tedious procedure for confirming large payments. You have to answer a number of questions over the phone, some of which are really annoying.
6. Unattractive bonus program. That's all I can say about her. You receive virtual bonuses that you can spend only in partner stores.
7. Small cashback (half a percent of the purchase amount).

I analyzed it some more. This bank also has its advantages and disadvantages. Sberbank is supported by its history and reputation as a large, reliable bank with a state guarantee. But he also loses very seriously in some positions (for example, ignoring such a service as calculating interest on the account balance). I will analyze further...

I really want to know what advantages and disadvantages you see in Sberbank cards. Share in the comments. Then my article will be supplemented with your experience and reviews.

There are probably several plastic cards “hiding” in your wallet. Have you ever wondered how much their maintenance costs? If you do the math, on average a person pays for a standard set of bank payment instruments (salary project, credit card, social program, etc.) from 5,000 per year. Agree, the amount is quite impressive. Sberbank takes care of its clients and offers them a plastic product that will cost the person completely free. Interested? Then let's figure out how to open a Sberbank card for free.

Sberbank is trusted by millions of Russian citizens

The Savings Bank of Russia occupies a leading position among the country's financial institutions. This is not surprising, because millions of citizens trust this bank. By attracting customers and creating a reputation, Sberbank offers the population a number of plastic banking products with free service. Let's look at some of them.

Momentum instant card

The Momentum payment instrument is a non-personalized card issued according to an international standard. You can get it in just 15 minutes. in any currency (rubles, euros, dollars).

With Momentum you can perform any banking operations and use the client bank.

This type of plastic is issued from the age of 14. The bank offers Momentum credit cards to verified clients with a grace period for using money of up to 50 days.

Social Maestro

The name speaks for itself; it is a debit card issued for receiving pensions, compensations, and benefits. It has all the main payment options and is serviced free of charge. The balance on the account is accrued at 3.5% per annum, which allows the cardholder to additionally earn a small amount. Maestro is issued to persons over 18 years of age.

Bank card MIR from Sberbank

A novelty in the Russian banking system is the national MIR card. Holders of such a payment instrument receive a full package of services that works only in the Russian Federation. Sberbank issues a free bank card for salary projects, pensioners, and social transfers.

MIR is the national payment system of Russia, which has been issuing payment instruments for use within the country since 2015.

Sberbank may offer Gold class cards to VIP clients for free

For whom cards are opened at Sberbank for free

In reality, anyone can open a card at the Savings Bank for free. It will be electronic instrument Maestro or Momentum. You will have to pay for other products. The bank can offer the following programs free of charge to special clients (VIP):

• premium debit card "Sberbank Premier";
• Visa Gold credit card;
• MasterCard Gold credit card.

Typically, bank employees notify you of the opportunity to receive a privileged card for free via SMS.

What documents are needed to open a Sberbank card

Opening a card at Sberbank requires providing the following package of documents:

• a copy of the passport of a citizen of the Russian Federation;
• a document certifying the client’s registration in the service area of ​​a Sberbank branch.

You also need funds for the down payment. If a Sberbank credit card is issued, they may additionally require a copy of a certified work record book (certified by the employer) and a certificate of income.

How to open a Sberbank card for free

Now we’ll tell you how to open a card in Sberbank for free. Initially, the client must decide on the type of payment instrument he needs. Next, with a package of documents, a person applies to the nearest branch of the Savings Bank of Russia, where an agreement for servicing the card is signed. If you receive a social card, you will additionally receive a pension certificate. Now there are two scenarios for the development of events.