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If the client carries out a transaction at an ATM of a third-party financial institution, 4% of the amount is withdrawn.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 bank offers clients instant cards from two payment systems. The Sberbank Visa Momentum card has features typical of international format products, but also has a number of distinctive features.

Main conditions for the release and circulation of instant plastic

Sberbank issues Visa Momentum upon first application. There is no need to wait several days to receive the product in your hands. The registration procedure follows this principle:

1. The client fills out an application for the issuance of plastic.
2. The employee prepares a standard form for the UDBO agreement.
3. The client enters his data into the contract (a passport is required).
4. The contract is signed.
5. An employee issues plastic.

Concluding an agreement is a prerequisite for issuing a Momentum Visa. It provides more options for product holders by allowing them to see all their accounts, improve control and enable transactions between them.

Additional features of entry-level debit cards

The Momentum card has no name, which is why the procedure differs in its issuance speed. The product itself indicates all the basic parameters that may be needed for remote use and non-cash transfer options: number, expiration date. There is also a security chip, the logo of Sberbank and the Visa system.

Existing card restrictions

Plastic has another undeniable advantage that is not typical for other types of cards - free service. In this case, paid services, daily limits and commissions are charged as needed:

• limit on receiving cash by any of the options – 100 thousand rubles for 30 days or 50 thousand for one;
• 10 thousand rubles per day for expense transactions;
• 1% – commission for withdrawals from ATMs and cash desks of other banks;
• 0.75% – commission when using an ATM or cash desk of another financial institution and a branch of Sberbank belonging to another territorial region;
• 0.75% – of the amount exceeding the daily limit for other TB;
• 0.5% – commission when withdrawing an amount in excess of the established limit values ​​of your local bank.

Among the disadvantages of Sberbank's Visa Momentum, a number of restrictions can be noted when used abroad. In particular, it is not allowed to withdraw cash even from bank subsidiaries located in other states.

Certain difficulties may arise when paying online. For example, some sites do not provide the ability to transfer funds using non-registered plastic cards, which provide less information about the holder and have a lower degree of protection. Also, plastic usually does not contain a CVV code, which is often needed for the operation. But the product itself is assigned a code, so you can get it at the department by number.

Parameters of the card product and conditions for its registration

Other disadvantages include:

• You are allowed to receive only one card of this format.
• After the expiration date (3 years), re-release is not possible. The account needs to be closed.
• There is no way to change your PIN or request a new one if it is lost.
• An ATM from another financial institution will not show your available balance.

Features of the Momentum Visa debit card

The Sberbank Visa Momentum card in its other capabilities does not differ from standard products of the international format. These include:

• Payment for purchased goods at points of sale by non-cash method.
• Payment of invoices for consumed services and goods to companies according to their details.
• Transfer of funds to individuals and organizations.
• Performing operations through remote services.
• Setting up automatic payment for regular payments, such as mobile phone, utilities, credit.
• Connecting to a loyalty program that allows you to receive points when paying for purchases in certain companies. Subsequently, they can also be used instead of money when paying in specific stores, online stores, salons, restaurants, etc.
• Take advantage of promotions, offers and opportunities offered by Visa.
• Linking a card account to an electronic wallet.

You can view your transaction history, make transfers and pay for services using your phone. To do this, you need to activate the Sberbank Online or Mobile Bank mobile application. The latter service allows you to perform some operations using SMS and request commands, as well as clarify your balance, check transactions, order services or block a card and some options. Sberbank Online provides even more opportunities for managing accounts via the Internet.

Requirements and procedure for issuing a card

Features of the Visa Momentum credit card

There is also an instant credit card issued to Sberbank - Visa Credit Momentum. It is also drawn up in the presence of the future holder. The maximum amount for use is 600 thousand rubles. Plastic cards provide a debt repayment period without accrual of interest, as with other international cards. It is equal to 50 days. If the borrowed funds are not repaid within this period, the interest will be 23.9%. The principle of interaction with the client regarding a non-registered credit card involves sending a report once a month. It contains the following information:

1. Total amount of expense.
2. The amount of the repaid amount.
3. Remaining debt to be paid.
4. Duration of the interest-free repayment period for the balance.

Sometimes it is possible to get a Momentum Visa card with more favorable credit conditions. The bank offers special offers based on the size of transactions and the activity of the product holder. You can find out about the availability of such an offer at an ATM during any transaction. It can also be received by mail or in the form of a call from the operator of the bank’s Contact Center. You can also find out about it at the branch by providing client data (account, card numbers).

You can top up your credit card balance and repay borrowed funds from the bank as follows:

1. Through a bank branch: deposit it yourself or receive cash from another person.
2. Via terminal: deposit cash into your card account.
3. Through an online service: receive a transfer from another plastic holder or transfer from your other card.
4. Via Mobile Bank: receive a transfer from a bank client by phone number.

Conclusion

If you need to issue a payment card in 10-15 minutes, then it is best to choose an instant issuance product. Speed ​​and ease of registration are not the only advantage of this type of plastic: the cost of maintenance is free.

Thanks to bank cards, most regular payments become accessible from any computer or your own mobile phone. Even convinced skeptics recognize the comfort and reliability of Internet banking.

Features of Instant Debit Card

The Momentum card is the most affordable among Sberbank’s plastic products. Combines fast issuance, free service and a minimum set of popular functions of classic cards:

• cashless payment all over the world;
• Money transfers;
• receiving cash;
• managing a card account through your personal account from a computer or phone;
• incentives in the form of bonuses and discounts.

Unlike Classic, Gold and premium cards, Momentum has low limits on the issuance of money (up to 100 thousand rubles per month), does not provide for emergency receipt of cash abroad in case of loss or damage to the plastic, has a uniform design, and the owner’s name is not indicated on it.

Instant Visa / World / MasterCard is issued within 10 minutes after application. The product is available in every bank office, ready for issue. It is enough to present your passport, fill out an application, and sign an agreement.

The card is issued and serviced free of charge. The holder replenishes it, pays for purchases in foreign stores, uses remote access to the account via the Internet and mobile phone, without any problems.

If the plastic card or PIN code is lost, reissue is not performed. You will need to close the account and open a new one.

Card without holder name

Unlike classic and other Sberbank cards, only the number, expiration date and CVC code are indicated on the instant one. However, the product is not nameless. The card account belongs to the client and is opened in accordance with his passport data. If you want to make a payment that requires entering your first and last name, it is enough to know them in Latin.

If you don't know the exact spelling, you can:

• look at another map if available;
• go to the electronic application page for any plastic card on the Sberbank website;

without filling out the application in full, enter your last name and first name in the appropriate fields as in your passport, the system will automatically show the spelling in Latin;

• find out at the bank branch.

What is the difference between nominal and non-nominal

Externally, the difference is noticeable in the absence of a surname and a more restrained design in green. An unnamed card, compared to a registered card, offers fewer opportunities to the holder:

• low limits on cash receipts and transfers;
• increased fees for cash withdrawals at the cash desks of other banks;
• Emergency extradition abroad is not carried out.

What is the price?

Sberbank instant card is issued free of charge. The client can use it without paying any service fee. For those interested, paid services are available, such as mobile banking, mini-statements, and receiving cash from third-party banks.

Services that Momentum holders use for free:

• release;
• annual maintenance;
• reissue, which involves replacing the plastic along with the invoice;
• replenishment and withdrawal of money through Sberbank;
• cashless payment;
• account statement via @-mail or in a branch (not to be confused with a mini-statement from an ATM!);
• economy package of mobile banking.

Card features

Momentum Visa / MasterCard allows you to:

• pay at checkouts around the world;
• pay and transfer using online banking and mobile application;
• plan auto payments;
• receive cashback Thank you, use the Piggy Bank service;
• participate in the loyalty programs of Visa and MasterCard payment systems (please note that basic packages are available in the form of 10-15% discounts from partners, 24-hour technical support in any country);
• The call to technical support is paid, in accordance with communication tariffs.

Is it possible to pay online

Visa and Master Card Momentum are serviced by international payment systems and allow you to pay via the Internet all over the world. The plastic contains the number, CVC code and expiration date. This is enough for payment on many sites.

Payments often require the holder's name. It is not indicated on the plastic, since the issue is made in advance and handed out on the day of application. However, when processing documents, passport data is entered into the banking database, and the payment system “knows” the name of the holder. Your task is to find out its spelling in Latin - using another card, in a bank or on a website.

Restrictions

The differences between Momentum and Classic, Gold and others are hardly noticeable during daily purchases in supermarkets, utilities and other regular payments.

Restrictions manifest themselves when you need to pay or withdraw cash in an amount greater than usual:

• there is no emergency cash issuance if the card is damaged or lost abroad;
• the maximum payment amount per day is 100 thousand rubles;
• daily limit for withdrawals without commission in Sberbank – 50 thousand;
• The monthly cash withdrawal limit in Sberbank is 100 thousand.

There is a 0.75% fee for receiving cash over the limits. There are no restrictions in third-party banks. However, you will have to pay a commission of 0.75 - 1%, at least 150 rubles.

What's the catch?

Momentum pricing can be compared to a basic package for cellular communications. The subscriber receives a SIM card and has the ability to receive incoming calls and make calls within the network for free. If the client wishes to use additional services, he pays for them by the second, by the megabyte. In this case, prices are noticeably lower than “package” prices.

However, if there is no need for complex services and if they are rarely used, paying for them separately remains profitable.

Not relevant for everyone:

• participation in salary projects;
• expenses more than 100 thousand per month;
• Losing your card abroad.

At the same time, many people are in demand:

• consumer loan repayment;
• receiving irregular transfers from relatives 5-10 thousand;
• current spending in stores.

In such cases, it makes no sense to pay 450 rubles a year for servicing a classic product. Enough plastic with a minimum set of features.

If you need a service that is not included in the Momentum package, it is more profitable to pay for it separately.

Why doesn't the bank charge a service fee? For non-cash payments at cash desks and on websites, the bank charges a 2% commission from the seller. This provides enough income for the bank not to demand payment from clients. Issue of unnamed cards is relatively cheap.

Sellers benefit from cashless payment because it eliminates the need to handle cash.

Do they issue it now?

There have been a lot of questions online about the fact that Momentum cards are no longer issued. This is not entirely true. On March 1, 2016, Sberbank stopped issuing Visa Electron Momentum and Master Card Maestro; they were replaced by instant cards.

The cost of servicing Electron and Maestro was 300 rubles per year. It was possible to order a second card for the account. The monthly limit on cash withdrawals through Sberbank was 500 thousand rubles. Participation in salary projects was allowed.

Momentum R – what is it?

The instant card account currency can be: ruble, US dollar or Euro.

The R mark on the front side of the plastic is made to indicate the link to a ruble account.

You can pay with Momentum R wherever Visa and MasterCard are accepted, at retail points of sale, in online stores, regardless of their location and the main currency with which they work.

When paying bills in a currency different from the card account, the bank will automatically convert it at the current rate. Often sellers offer prices in several currencies, including rubles. For example, Aliexpress. In most cases, such an exchange is disadvantageous to the buyer. It is cheaper to pay in the seller’s currency and entrust the conversion to the bank.

Is it possible to withdraw money from it?

Free cash withdrawal is limited to 50 thousand rubles. per day, 100 thousand per month. In excess of the specified amounts, receipt is available with a commission of 0.5–1%.

Momentum Visa, Mastercard or MIR – what to choose and what are the differences?

Both payment systems are international, have fast technical support, work all over the world, the difference in capabilities is almost invisible. Sberbank services both products at the same tariff.

The differences between Visa and Master Card can be noticed during travel and leisure thanks to affiliate programs.

Visa Classic Momentum

Among Visa's partners, there are mainly companies offering privileges to travelers and shoppers abroad:

• hotels;
• transport and excursion companies;
• outlets.

MasterCard Standard Momentum

You can make everyday purchases in a large retail supermarket, for example, in Auchan, or spend leisure time in selected chain cinemas and cafes at a discount by using MasterCard.

World of Momentum

As noted above, the functionality of the national payment system card is noticeably inferior to Visa and MasterCad, especially in that it can only be used within the Russian Federation. But, this card will be useful for residents of Crimea, or for those who are planning to go there, since the plastic of other payment systems on the territory of the peninsula does not work.

Differences in the functions of payment systems

Which is better to choose?

Read the detailed description of the programs, current lists of their participants and promotions on the websites of payment systems. Evaluate the usefulness of the offers for yourself.

If you don’t have the time or desire to do analysis, you can choose any one. The quality of services is comparable and high. Sberbank services are available with both cards in the same volume.

How to get

It will take no more than 10 minutes to complete:

• come to any Sberbank branch;
• present your passport;
• sign the contract;
• take away the plastic.

Terms of service

1. Permanent or temporary registration in Russia is sufficient.
2. The holder's age is from 14 years.

Apply online

The Momentum debit card from Sberbank is issued to everyone on general terms at any branch without registration via the Internet.

Online processing is also available for Momentum credit.

Requirements for credit card holders are more stringent than for debit cards:

• from 21 to 65 years old;
• Russian citizenship;
• registration in the Russian Federation.

Existing Sberbank clients can qualify for a preferential Momentum loan with a reduced interest rate.

How to use?

In circulation, a Sberbank debit card without a service fee is not much different from a regular Visa and Master Card except for the limits.

Available services:

• non-cash payment at retail outlets, online stores;
• fast receipt and sending of money transfers;
• remote use via the Internet and mobile banking;
• loan payments;
• payment of utility bills, taxes, duties, fines with or without a reduced commission;
• optional participation in the Thank You bonus program and connection to the Piggy Bank;
• privileges of Visa and MasterCard partners.

Is it possible to transfer money to it?

One of the main reasons for applying for an instant card is the need for one-time or irregular transfers.

Important! Since 2017, transfers of benefits and other regular budget payments are not allowed to accounts operating with the participation of international payment systems. You will need to open a MIR card or a current account that is not linked to plastic.

Cash withdrawal limit

Limitations in the operation of Momentum are noticeable when cashing out large amounts.

• You can get up to 50 thousand rubles per day at the cash desk and ATM of Sberbank.
• RUR 100 thousand is available for cash withdrawal within the bank per month.
• Above the specified amounts a commission of 0.5% is charged.

Sberbank does not limit receiving cash from other credit institutions, but charges a commission of 0.75 to 1%. The third-party bank also usually keeps its percentage.

How to activate?

Momentum implies an independent choice of PIN code; it can only be set through the terminal. Activation occurs one day after the code is specified or after any operation involving its entry. It is impossible to set a code or activate a card via the Internet.

Once you receive Momentum, activate it at an ATM, to do this:

• insert the card into the terminal;
• the ATM interface has minor differences, but the menu will prompt you to set a 4-digit PIN code yourself;
• enter the code, remember it;
• confirm by pressing the appropriate button on the screen or keyboard;
• request a balance or perform any other operation that requires entering a PIN code.

The card is activated. Without leaving the ATM, you can connect your mobile bank and receive a login and password for using Sberbank online. The terminal menu is friendly and usually does not raise questions about how to find the necessary items.

In case of difficulties or lack of experience, there are employees in the customer service rooms whose responsibilities include consultation on any questions about the services. You can ask for help. It's free.

Pros and cons of the Momentum card

Summarizing the described advantages, we highlight:

• free issue;
• free service;
• issuance on the day of application;
• the ability to maintain accounts in rubles, euros, US dollars;
• functionality all over the world;
• availability of all main Sberbank services (online, mobile banking, Spasibo, Kopilka, the widest ATM network in the country);
• Affiliate programs Visa and Master Card.

Features that many regard as disadvantages:

• low limits on cash withdrawals;
• high commission for cashing out in excess of limits;
• obstacles in establishing the exact spelling of a name for online payment;
• the degree of data protection on Momentum is lower than that of classic products;
• closing the previous account and opening a new one after the card expires, which creates problems for transferring salaries.

Card production time

In Moscow, St. Petersburg, Novosibirsk, Yekaterinburg, Nizhny Novgorod and other large cities, the card will be ready in 2-3 working days; in the regions, production and delivery will take from 3 to 10 working days. Delivery to remote locations may take up to 15 business days. Exact dates are available.

When issuing a card, only working days are taken into account. If you order it on Friday evening, the production time will be counted from Monday.

You can see if the card is ready and when it will be delivered to the office in Sberbank Online in the “Cards” section.

What documents are required to receive a card?

To pick up the card, bring with you your passport or other document that was used to apply for the card. To receive a card for another person, you need a notarized power of attorney.

How to start receiving THANK YOU bonuses?

After receiving the card, you must register in the “Thank you from Sberbank” program. The easiest way to register: send an SMS to number 900 with the text THANK YOU 1234, where 1234 is the last four digits of the card number.
You can also register for the program in your Sberbank Online personal account and at a Sberbank ATM - find the “Thank you from Sberbank” section and follow the prompts.

Bonuses are awarded automatically when paying by card - their number depends on the level of privileges.

It should be remembered that bonuses are awarded only when paying for goods and services. This does not happen when withdrawing cash from ATMs. But when you pay for purchases remotely in online stores, bonus Thank You bonuses are credited to your account.

How can I use THANK YOU bonuses?

THANK YOU bonuses can be exchanged for discounts when purchasing goods and services from Partners; a full list of partners is available. In addition, THANK YOU bonuses can be exchanged for a discount when purchasing air tickets and hotel accommodations (on the website “Thank you from Sberbank. Travel”). Bonuses can also be exchanged for discounts when purchasing tickets to events - the service is available on the website “Thank you from Sberbank, Impressions”.

How can I find out my card details?

To find out the details, find the required card in the Sberbank Online mobile application and click “Show details”.

Another way: in your Sberbank Online personal account, go to the “Cards” section and find the card you need, then “Card information” → “Transfer details to the card account”.

Is it safe to use a contactless card?

Yes, the card is safe. It is always in the hands of the owner, so its data remains inaccessible to fraudsters. Making purchases without presenting a card or entering a PIN code is much safer, since no one sees the card data. In addition, contactless technology protects against double debits - after paying for a purchase, the terminal beeps and turns off automatically.

Hello! Today we will consider such a banking product as the Sberbank Momentum card! It appeared just a couple of years ago and many do not quite understand why it is needed at all. Now do you know what it is? What is it for? Is the visa classic momentum relevant in 2018? I will also tell you about all the pros and cons of this acquisition. But that's not all. Read on and find out for yourself.

Sberbank momentum card - what is it?

is a product designed to transfer money between accounts of the same financial institution without commission. But you still have to pay some fees. After all, banks don’t do anything for nothing; there must be some benefit from this. In addition, sometimes such plastic is issued so that you can use the account while your debit card is still being processed.

Essentially, this is a kind of copy of a classic card that performs almost identical functions, but with reduced conditions. Many people are attracted to this thing because they don’t have to pay interest on operations.

For example, some people are clients of other banks and live somewhere in Moscow. And then the moment comes when they need to transfer money to a card or Sberbank account. Naturally, with a regular transfer, we’ll say the amounts in 50,000 rubles They will be charged a commission of approximately 750 rubles. This is the best case scenario. Therefore, we have to look for loopholes.

Such poor souls can be helped by the unnamed free Momentum Sberbank card, which, as many say, does not require any commission. To get this product without registering with a new bank, you just need to find relatives or friends who have accounts with Sberbank. Even if you live in Yekaterinburg, and your parents, acquaintances or friends live somewhere in Gorokhov, you can get this debit card through them.

They just go to the bank, take it and send it to you by letter, you can even issue it to your phone number. This is the best way to do it! It will be possible to receive different transaction confirmation codes and pay with mobile banking or disable it. But remember that momentum r still has a Sberbank commission.

By the way, the R sign means that this is ruble momentum.

Momentum Debit Card

Before receiving, first of all, familiarize yourself with this product in more detail. Once you have your visa card in your hands, you can start using it. No activation required.

Terms of issue

• Distributed for free.
• Delivery time is about 10 minutes.
• Participates in the thank you bonus program from Sberbank.
• Can be used for 3 years.

Conditions of registration

To get this momentum card in Russia you need a phone number, a passport and about 30 minutes of free time!

Cash withdrawal conditions

To withdraw money, you will need a regular Sberbank ATM. Moreover, no commission will be charged if you do not exceed the limit. And you also need to shoot it in a Sberbank machine.

Momentum Credit Card

The card is issued as quickly as described above. All you have to do is fill out an application. After this you will receive your account number and PIN code. Now to activate the plastic you just need to enter a four-digit number.

For those who do not know what a Sberbank Credit Momentum card is, I’ll explain that this is a special product created for obtaining a loan. That is, with the help of it you can borrow money from the bank.

Terms of use credit momentum visa

• You get it for free.
• Free preferential limit of 50 days.
• The maximum you can take is 600,000 rubles!
• The loan rate is 23.9 percent per annum.

The interest on cash withdrawals is zero, up to 50 days of use. Afterwards you will have to pay 3% when withdrawing from your home bank. When withdrawing from another location, you will have to pay as much as 4%. But not less than 390 rubles. You can take out a loan if your age is from 21-65.

Thus, you can get a loan on a momentum card for free and quickly and for a fairly large amount.

Tariffs and limitations of the Momentum card from Sberbank debit and credit

Unfortunately, not everything is as simple and wonderful as it might seem at first glance.

Tariffs and restrictions of the Visa Classic Momentum r debit card

1. There is no need to pay anything for service or delivery.
2. The client is required to be at least 14 years old.
3. No additional card will be issued.
4. Replacement upon reissue is free of charge.
5. There is no replenishment fee at Sberbank ATMs and cash desks.
6. The money is also issued without charging additional interest.
7. If the daily limit of 50 thousand rubles is exceeded, the commission for cash withdrawals will be 0.5%.
8. When withdrawing money not through Sberbank facilities, in particular cash desks and ATMs, you will be charged 1%.
9. In another TB they will charge you 0.75% for issuing money.
10. In subsidiary banks 0.75%.
11. In 1 day you can withdraw up to 50,000 rubles! It's the same at other banks.
12. You can withdraw only 100,000 rubles in one month.
13. You can pay for goods and services without commission.
14. You can complete payment transactions up to 100 thousand per day.
15. You will be charged 15 rubles to check your card balance through other banking institutions.
16. To get a statement of transactions you will have to pay 15 rubles.
17. You can receive a report on your transactions by email for free.
18. You don’t have to pay anything for mobile banking for the first 2 months. Then, for the complete package, a payment of 60 rubles is charged.

Thus, for many people, the restrictions on visa momentum can be quite significant. Especially if a person earns more than 100 thousand per month.

There are no restrictions on transferring money from the Momentum card. But there is a limit of 100,000 per month, which cannot be exceeded. You can transfer 500 thousand rubles to Sberbank itself; at the time of transfer you will have to confirm this operation with the operator.

Tariffs and restrictions of the Visa Classic Momentum r credit card

1. The grace period is 50 days.
2. You can borrow up to 600,000 rubles.
3. Valid for 3 years.
4. There is a thank you loyalty program from Sberbank.
5. You don't have to pay anything for the service.
6. The card is reissued free of charge.
7. You can top up your card with money without commission.
8. Until the grace period, you will not be charged interest.
9. You will be charged 23.9 per annum for using the loan.
10. For late repayment you will have to pay 36% per year.
11. When you receive cash, you will be charged 3%.
12. If you withdraw cash from other banks, you will be charged 4%.
13. The limit on the Sberbank Momentum card for issuance is 50 thousand rubles per day.
14. The daily limit is 150 thousand rubles.
15. Checking your balance costs 15 rubles.
16. Check your account balance by sending a report by email for free.
17. Mobile banking full package is absolutely free.

Thus, using this product they can charge you a hefty percentage.

How much does a momentum card cost at Sberbank?

This product has free maintenance and you do not need to pay anything. In addition to mobile banking, which can also be disabled if desired. This is actually the first product without annual maintenance. Also, if you jump beyond the limits, you will need to pay a small commission.

How long does it take to make a Sberbank Momentum card?

It's usually ready and waiting for you to pick it up. The issuance time varies greatly because there are many delay factors. For example, the queue or the consultant cannot find something. But many owners of momentum claim that it takes 15 – 30 minutes.

How to activate a momentum card?

To activate, just perform any operation. For example, put money on it or check your balance at an ATM.

How long does it take for a momentum card to activate?

This card becomes operational literally after you push it into the ATM and perform various manipulations. The consultant usually activates it himself by activating the mobile banking service.

Also, the card becomes active on its own after just one day without your participation.

How to get a Sberbank momentum card and where?

To make a card, just come to the bank and ask a consultant how this can be implemented. He will tell you or invite you to his place and give you a debit card. To do this, you need to have an identification document with you and preferably a mobile phone. Since the Sberbank employee, when you open a new card, will ask you to link your phone number to it.

Or, to receive it, you can make an application online in your personal account, and then just come to the financial department and pick up the card.

Reissue of a Sberbank Momentum card upon expiration

Typically the card is valid for 3 years. But recently, in some cases, replacement is carried out after 1 year.

To do this, contact your local financial institution. Usually they renew the Sberbank Momentum card without any problems. Sometimes, due to inexperience, some employees may say that this is impossible. But don’t give up, just say that you read on the Internet that this can be done when the plastic expires. In theory, you should receive a notification on your phone asking you to come and change your card.

What to do if you forgot the PIN code for your Sberbank Momentum card?

Some people write that they have lost their Sberbank momentum card, what should I do, how can I restore it? There is nothing wrong with this, just go to a bank branch, explain the situation and the bank employees should give you a new one. The same thing happens if you forget your PIN code.

Therefore, in order not to waste your time because of such a trifle as forgetting your password, it is better to write it down in a notepad.

Sberbank Momentum card is no longer issued

There was a rumor among people that Sberbank no longer issued Momentum instant cards. In reality, this is simply unconfirmed information. At the moment it is already 2018 and recently my mother went to the bank without any problems and was given this card.

So, if you are wondering whether they issue it or not, go to the bank and check for yourself. Perhaps banks temporarily suspend the issuance of such instant cards, cancel them, but then they launch them again.

How to order a Sberbank momentum card via the Internet?

To check out this product, do the following:

1. Go to your personal account by entering your details.
2. Go to the "Maps" tab.
3. Select the desired card.
4. After that, simply fill out an application for a card directly on the website.
5. Check your email. You will receive a letter containing the date when you need to come and pick up the plastic.

Thus, you can order a momentum card online in just 5-10 minutes. Remember that upon receipt you need a passport.

How to transfer to a momentum card?

Translation algorithm:

1. You put money, for example, through the terminal on your card by inserting it there and selecting the function of receiving money
2. After the money arrives, select the “Payments and Transfers” item. Next is the transfer of funds. After that, enter your plastic number. Click on the special button and enter the amount. After this, the payment will be transferred to the card.

You can also contact the operator, you just need a passport. In this case, the money will arrive in four hours.

How to top up a Momentum Sberbank card?

To replenish you can use:

• Personal account online.
• Mobile banking with one message.
• You can top up your momentum card through the terminal.

How to withdraw money from a momentum card?

It will be problematic or even impossible to withdraw more than 100 thousand rubles from the card. You can do this by opening a new account. For example, start a savings book. Next, go to your mobile bank and transfer the required amount to it. Then go to the cashier and withdraw money.

If you don’t understand how money is withdrawn from a card, it’s quite simple. Insert the card into the ATM and enter the PIN code in the special field. Next, select a cash withdrawal operation and write the amount. Then click receive and voila!!! The ATM will withdraw money with momentum.

How to check the balance on a Sberbank Momentum card?

You can see how much money is left on the card through the receipt that the ATM will issue after withdrawing cash. Or go to your personal account, select a card and see the balance.

How to check your momentum card balance from your phone?

To do this, you must have a mobile bank connected. Just send a message to number 900 in which you write code 01 and add the last 5 digits of the card. But you must understand that the procedure costs about 15 rubles. It is better to check through your personal account.

How to link a momentum card to your phone?

This is necessary to make payments online. The operation of linking a phone to a card is carried out through connecting to the mobile banking service. To activate it, go to any banking institution of the desired bank and ask a consultant to do this.

Required:

1. Submit a special application
2. Passport
3. Telephone
4. Card

The employee will perform all necessary operations independently. The procedure is performed free of charge.

How to close a Sberbank momentum card?

If you have a credit card and it is not activated, then you do not need to do anything with it. Carefully re-read the terms of the contract; you may be required to make some kind of payment for this plastic. Some banking institutions terminate the contract with the client if the card is not activated within 6 months. Don't forget to turn off mobile banking.

But in any case, you must close the account, and to do this you will have to go to the bank. I am sure workers from this field will help you do this. You just need to make an official refusal.

What is the difference between a momentum card and a registered Sberbank

The main difference is that there is no name on it. In addition, the card is poorly protected and this is the only way scammers can hack it. You will pay commission on payments in small amounts, and if you make transfers within one region, then the percentage will be zero. Card data also differs in limits. You can see them above.

Payment by Momentum card via the Internet

To do this, just do the following:

1. Enter the card information, this is the number, sometimes the expiration date, first name, last name and a 3-digit verification code on the back.
2. You will have to confirm your actions via phone by indicating the code sent to your phone in a special form.
3. If everything goes well, you will be redirected to a page with payment information.

How to pay with a Momentum card on Aliexpress?

To do this, select the item you need, indicate the quantity, click buy and select a Visa card as payment. But before that you will have to go through a simple registration on the aliexpress website.

Can a momentum card be seized?

According to lawyers, this may well be the case. There is even Article 99 of the Federal Law “On Enforcement Proceedings”. The bailiffs will make a request to the bank and find out all the information on your account, but there must be a legal order about this. They can seize all existing accounts.