The most popular products are plastic cards. They almost do not differ both in their appearance and in the methods of use. But there is also the so-called virtual card, which is worth discussing separately.

What is a card and what is it for?

The virtual card is a special card for fast and safe payment for online purchases. Sberbank and other banks thus make it possible to pay for a hotel stay, make purchases in various online stores, and also buy plane or train tickets. In addition, you do not have to enter data on your card.

As a rule, a virtual card does not have a physical medium, that is, instead of the usual rectangular piece of plastic, the client is provided with only the details necessary to pay for services via the Internet. These include the expiration date of the card, its number and a three-digit security code.

How to issue a card?

Getting such a card does not involve any complicated procedures. This can be done even via the Internet, ATM, instant payment terminal or by phone. Each of the banks has its own registration method, so you should first clarify which one is used in the one you have chosen. Most financial institutions have several methods for opening such cards.

Sberbank is not issued physically, but there are financial institutions that still do it. But here everything is a little different than with a regular map. The client is provided with a regular piece of plastic without any hologram, magnetic strip or chip. In this case, there will also be no pin code, since it is impossible to withdraw cash and pay for purchases in regular stores using such cards. The front side has all the necessary payment details: the number of the card itself, its expiration date, security code, and the name of the holder. To order such a card, just make a phone call, but you will need to contact the bank to receive it. Then you will be provided with a virtual Sberbank card. Setting up takes just a couple of minutes.

Some even open a separate virtual card account, while others require an existing account or a valid card. And some banks issue such a card as an additional one to the already existing one.

How safe is the use of a virtual card?

The main advantage that the virtual card of Sberbank and other banks has for payments is the safe conduct of payments on the Internet. The whole point is that it can be configured for a specific payment, and even if hackers access it, they will not be able to use it.

If the client wants to deposit a large amount into the account, most banks allow you to set a certain limit, more than which you cannot spend. Some financial institutions set the maximum limit on spending funds per month on their own.

Some banks also give permission to block and unblock the card as needed, while others only allow closing.

How can I top up a virtual card?

Due to the modern banking system, transferring funds from your account to a virtual one or simply depositing cash into it is no longer a problem. This can be done through an ATM, the bank's Internet service, at the box office, through SMS informing, and so on.

What currency is the account opened in?

Usually, the bank does not charge a commission for payments via the Internet using a virtual card. If it does, it will be on a small scale. Special attention should be paid to such operations in which the currency of the account and the purchase do not match. In such situations, the bank will charge a conversion fee. For this reason, most users who actively buy something on the Internet draw up several cards at once in different currencies.

Using a virtual card over the Internet

The Sberbank virtual card and its use via the Internet are very relevant today. As the statistics of payment systems show, today there is a steady increase through the Internet. Literally three years ago, our country became one of the five leaders in virtual shopping. Online stores offer customers a variety of payment options for purchases. Banks, respectively, are developing new tools. One of them is a virtual card of Sberbank.

Requisites for settlements

The name of the card already speaks for itself. It cannot be held in hands, carried in hands or in a wallet, but some banks also provide a plastic version. Despite the fact that on the official website of Sberbank there are photographs of samples of plastic virtual cards, in reality these products do not have physical media. Virtual payment instruments are for online purchases only.

Virtual Sberbank, like any other, has a number consisting of sixteen digits, an expiration date and a three-digit security code. When issuing a card, the last details can be received on a mobile phone by sending an SMS message. In addition, the surname and name of the cardholder are also indicated when placing an order. They must be written in Latin letters.

Under what conditions is it provided?

A Sberbank virtual card is issued to those who have a debit card of this financial institution, issued under a universal banking service agreement. In addition to all this, the holder must activate the SMS informing service and register in the Internet Bank.

Many customers are wondering: how to get a virtual Sberbank card? To do this, just contact the Sberbank contact center and dictate the details of the plastic one. If necessary, you can also block previously issued copies and order a reissue of the card ahead of schedule. Unfortunately, today the provision of virtual cards is carried out only for Moscow residents.

Pilot use of maps

It is also worth mentioning that the bank tariffs of Sberbank still refer to the virtual card project as a pilot one. Judging by the feedback from customers who already use such cards, the bank's specialists still have something to improve. It is necessary to eliminate technical overlays, study the desires of consumers, in general, bring products to perfection.

To date, a Sberbank virtual card is issued only in the ruble equivalent, it is valid for three years, and the service costs 60 rubles. The reissue of the card is free of charge, but when carrying out this operation in connection with the change of surname, a commission of 30 rubles is charged.

Also, a certain daily limit is set for transactions that are carried out via the Internet. It is no more than three hundred thousand rubles per day.

Operations on such cards can be carried out in rubles, dollars and euros. The amounts of write-offs and credits on accounts during conversion are calculated by separate formulas for each currency. Exchange rates are determined daily by the bank. For debit transactions in euros using Visa cards, a conversion fee is also added to the purchase amount. It is 0.65% of the write-off amount.

How to open a virtual Sberbank prepaid card?

This bank also provides such cards. They have a payment system "Visa". They also do not have a traditional plastic carrier, and they are intended to pay for purchases on the Web.

Any client can issue an unlimited number of cards. The maximum limit on the account is the amount of 15 thousand rubles, and the minimum is 200. Due to the fact that the card is not personalized, it can be issued without documents. You just need to go through the activation. Card issuance is free, there is no commission for annual service.

But, unfortunately, replenishment of the balance of an already issued account is not provided. The balance of the account can be viewed on a special Sberbank website or in the contact center.

If you are an active Internet user, often make online purchases or money transfers, you just need to discover a “virtual card from Sberbank of Russia”.

This virtual card has a convenient system for user authorization, has high password protection and confirmation using one-time codes via SMS, and is also available around the clock with the Internet.

Virtual bank card

What you need to do to open the card

• In order to open a virtual card for Sberbank, you need to conclude a service agreement and order the issue of a debit card.
• After the bank issues a debit card for you, you have the opportunity to open a virtual card in your name to make online payments.

Features and capabilities of the virtual card

Let's look at the procedure for opening a virtual card step by step

• First of all, you need to go to the official website of Sberbank of Russia at the link sberbank.ru
• Next, you need to select the branch of Sberbank closest to your place of residence, where you will need to receive it after ordering a card if you ordered its real issue.
• For convenience, the Sberbank website has a card that allows you to make a kind of "virtual tour" of all available bank branches in Russia.

What is a debit bank card, what exist

Let's see, what is a debit card and what types does it come in?

• As you understand, such cards have both a physical medium, that is, plastic, but can also be issued in a virtual form.
• A plastic bank card is ordered at a branch of Sberbank and waiting for its production is about 10-12 days.

A virtual card is issued as a kind of addition to the actually issued card. You can choose and order this type of card on the official website of Sberbank.

What virtual cards exist

ATTENTION: you can get additional information about the cards issued by Sberbank at the link.

So, you have become the owner of a VISA or MasterCard Electronic Card by concluding a service agreement with Sberbank of Russia.

How to register in Sberbank Online

If you are a client of Sberbank and a cardholder issued by this bank, sooner or later you will have a desire to expand the standard set of convenient features and services provided by Sberbank.

How to open a virtual card

1. To do this, you need to activate the Sberbank Online service.
2. We described the procedure for connecting the above service in our previous articles. Briefly, it looks like this:
3. You go to the official website of Sberbank
4. Click on the LOGIN in the upper right corner of the site.
5. Fill in all the required details.
6. After registration, you will receive an SMS with a confirmation code to the phone number to which your debit card is connected.
7. After the registration procedure is fully completed, you will become the owner of a Personal Account with the Sberbank Online system.
8. Choose a section with cards

In this account, you have the opportunity to fully manage your accounts, issued cards, arrange many online services, open and close accounts.

It is from here that you can issue a virtual card.

What is a virtual card? Just while maintaining the functionality of a real scarf card, a virtual card is formed in a virtual form. A plastic counterpart is not available.

After you issue this card, you will be given a 6-digit card account number, as well as CVV2 and CVC2 codes. These codes will be sent to you via SMS if you use a virtual card to pay for goods or services on the Internet.

Terms and conditions of the card

It is also worth activating the Mobile Banking service. This service is connected through self-service terminals or ATMs. When connected, a bank card and mobile phone number are linked, an SMS notification containing an ID and password is received. When using the Mobile Bank, all transactions are carried out using one-time passwords.

Connecting a virtual card: procedure

So, you have already connected Mobile Banking and your Sberbank Online personal account, a bank debit card has been issued for you, and a service agreement has been concluded with Sberbank in the office.

You need to register on the Sberbank website and go to the "DEBIT CARDS" tab. Next, select the item "Universal debit cards", and then on the tab "Virtual cards". You will be offered a list of possible virtual bank cards to be issued and the conditions that must be met.

Virtual menu cards for personal account

There are currently two offers for issuing virtual cards such as VISA and MASTERCARD.

• Only one virtual card per client is provided to Open.
• The currency in which this card is opened is rubles.
• The virtual card is designed to pay for services and goods on the Internet.

Important information: please note that a virtual card is virtual in the truest sense of the word. Despite the fact that when opening this card, plastic VISA and MASTERCARD are shown, there is no physical issue and the card data is just an account number in your personal account with additional functionality for making online payments.

How to get a virtual card

To issue a virtual card from your personal account, you need to go to the "TARIFFS AND ISSUANCE" tab. There you will be presented with the conditions for opening these accounts, as well as the telephone number of the Sberbank hotline, where you can find out more information, or contact in case of emergency.

Another way to open a virtual card is to personally visit the nearest Sberbank office. If the specialist sends you to open this card on your own, you can file a complaint with the higher management

Although the method through a personal account is the simplest and most convenient.

Step by step it looks like this:

The application is filled in with all the details, and according to the specified data, an Internet card is issued, which will serve you for about 3 years.

When the term for re-issuing a virtual card comes, its validity period is automatically extended for another 3 years.

Protection and security of the virtual card

Any payments using a virtual card from Sberbank on the Internet are quite protected and safe. For the security of payments, elements such as sms confirmation to the number of the linked mobile phone are used, it is also possible to confirm payments using your fingerprints and personal identifier.

With the help of this card, you can safely withdraw money from WEBMONEY and Yandex money electronic wallets. Also, Sberbank cooperates and maintains turnover with PayPal and Payer services.

Replenishment of the virtual account is carried out through self-service terminals, ATMs.

What is a virtual Sberbank video card:

If you decide to cancel the virtual bank card, the entire balance is withdrawn to the linked debit card. Cost limit - up to 300,000 rubles per day.

Any card payment is completely reliable, the account number and card number are not displayed anywhere. The information is not shown anywhere.

The Sberbank virtual card is a modern banking product designed to protect the details of the main card when making various purchases via the Internet. With its help, a Sberbank client can pay any bills online, transfer money from one card account to another, and replenish electronic wallets.

The principle of use is as follows: in order to prevent leakage of information about the details of the main card, the user issues a virtual (Virtual) card as an additional one. As a result, all transactions in the network are made from virtual "plastic", which can be replenished in any way - by transferring funds from a main or credit card, by depositing cash through self-service devices.

In 2017, Sberbank of Russia stopped issuing virtual cards, but previously issued cards can be used until the expiration date (up to 3 years).

Features of the interactive analogue

The virtual banking product Visa Virtual or MasterCard Virtual is not much different from ordinary plastic: 16-digit number, CVV/CVC code, 3-year period of use. The difference lies in the fact that the classic version is issued by the bank and issued to the client upon presentation of a passport, while the virtual one is generated by a special program and has no plastic counterpart.

According to the terms of the bank, the virtual card is not an independent banking product. To use it, the client needs to open a regular ruble account and get a classic version of the card. Also, an interactive analogue of a plastic card can only be a debit card, without the possibility of setting a credit limit.

Registration procedure

It is currently unknown whether Sberbank will resume issuing internet cards. Owners of previously released banking products can use them in the usual way, a subscription fee of 60 rubles per year is also charged from the user's personal account.

Only one Visa or Master Card Virtual card can be connected to the main card, depending on the type of payment system. The area of ​​use of virtual plastic is limited to online payments, other functions of the bank are limited:

• Chip protection: none.
• Overdraft service: not provided.
• Possibility of issuing an additional virtual card: none.
• Issuance under a standard salary contract: not provided.

Despite a number of restrictions, an interactive card can be linked to any electronic wallet, for example, to the Yandex.Money system. Thus, the client will save some money when transferring a certain amount from the wallet to the card.

Until 2017, the interactive map was automatically reissued every three years, while its number on the front side remained the same. New CVC/CVV codes were sent as SMS notifications.

Blocking order

The holder of interactive plastic, if necessary, can block or cancel the card. This can be done using a single number of the Sberbank contact center (900 for mobile phones, 8-800-555-555-0 for all Russian numbers). Blocking can also be done through Sberbank Online on the main page.

To identify the person, the operator may request passport data, a code word or a personal code of the client. Before blocking the card, you should transfer the balance of funds to any Sberbank card or pay for services via the Internet.

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Sberbank Online Virtual Card: What is it and how to get it

A virtual card is such a special bank card that is used for operations such as making payments via the Internet.

Virtual cards are extremely convenient for those people who shop online.

With a virtual card, you can easily make a payment to your seller without leaving the threshold of the house, which is as convenient as possible. There is a similar, for example, such an international payment system PayPal, which is distributed in almost all corners of the planet. It was developed by two former Oxford University students to help people pay each other over long distances.



But let's not get distracted and tell you what a virtual card can do.

Opportunities of the Sberbank virtual card

With the help of a personal virtual card, Sberbank allows you to buy:

• Flights or train tickets,
• Make purchases of any goods on the Internet,
• Pay for hotel rooms.

Virtual cards have a direct connection to your main account in an existing bank.

Many people now do not really trust Internet payments, believing that they can easily be deceived here.

They can always cheat, but not as often as it happens in real real life, because on the Internet, things like tracking money transfers are treated with due attention, because the banking reputation will depend on this, as well as the reputation of payment systems.

Online stores also monitor their level of reputation, so in 99% of cases your money will be transferred to the recipient as it should.

Why is it necessary to create a virtual card? What are the benefits of a virtual card?

Cards are convenient in that you can replenish their account directly from your personal Internet wallet, from such payment systems, for example, as Payeer or Webmoney.

Replenishment of the account costs practically nothing, except that the payment system will require a meager amount from you for a money transfer.

When buying goods over the Internet, it happens that the amount for the goods far exceeds its cost. But this is not the fault of the online store or the bank, such a cost may be due to the tariffs for the delivery of goods, and this is already being done by the cargo transportation company, and you can also pay for their services with a virtual card.

It is not necessary to pay with deposit or salary cards, because there is a risk of falling for the trick of scammers and losing all your savings in one moment. And it will be simply unrealistic to return all your savings.

The main and especially important advantage of a virtual card is its security.

You have the right to credit the exact amount of money that you are going to spend to the virtual card account.

You can make a card with a minimum balance sufficient for one purchase to avoid the risk of a large amount of money being stolen by scammers. A virtual card can be a very convenient assistant for you.

A virtual card, technically, looks like a set of electronic data details.

The issue of a virtual card is carried out without the usual plastic and is presented in electronic form.

But if desired, the bank can issue it to the client in the usual plastic form, only it will not have such attributes familiar to plastic cards - this is a hologram, a magnetic stripe or, the so-called chip, the signature of the cardholder. The username of the card may also be missing. The card will have a security code.

Such a card will not be able to pay for purchases in real stores, and it will also not be possible to withdraw cash from ATMs, its purpose is virtual payments.

You can get your virtual card directly even at home without visiting the bank, for this you just need to have a computer with the Internet, as well as through an ATM network or through a mobile connection.

Such cards have Visa or Mastercard systems. The maximum limit on the account is 15,000 rubles, the minimum is 200 rubles.

Card issuance is instant. An important condition is that in order to issue your virtual card, there must be an existing debit card available. If it is not there, then you can apply for a debit card through the Sberbank website, or visit a bank branch. The card is issued within a few days. Then it must be taken from the bank. And only after all this it will be possible to start issuing a virtual card.

How to make or open a virtual Sberbank card

There are several ways to apply for a personal virtual card.

First way:

To apply for your virtual Sberbank card, you will need to go to a bank branch. It is important that you have an identity card with you - a passport, as well as an existing - current card or just its details. At the bank, you do not have to fill out any papers and documents, you just quickly activate the account.

Second way:

If you want to issue a virtual card at home from a computer, then you need to register on the Sberbank Online website. When you already have the main real card, you must first connect it to a service called Internet banking.

The procedure is quite simple:

Third way:

Make a call to the hotline of the customer support bank, you will need to introduce yourself to the service center employee, tell him the details of your valid main card. Then he will make a virtual card for you in a matter of seconds and provide you with its details.

We hope our article was useful to you! Leave comments below.

How to find out the date of opening a Sberbank card account: 3 ways

Transferring money from an account to a Sberbank card: Instructions.

See also related videos:

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Virtual cards Visa, Mastercard

Payment instruments are constantly evolving and improving, there is something new, unusual for the average person and requiring careful study and adaptation to a new product. So, along with plastic bank cards, to increase the security of online payments, banks began to issue a virtual card. In Russia, and throughout the world, similar cards of Visa and MasterCard payment systems are issued.

Virtual card - what is it?

A virtual card is a card designed exclusively for online payments on the Internet (payment for purchases in online stores and making transfers to other cards/bank accounts).

The word "virtual" also means that such a card is issued in electronic form. It is a set of attributes of a regular card required to pay for goods or services on the Internet: card number, expiration date and card authentication code (so-called secret code) CVC2 for MasterCard and CVV2 for Visa. Thus, it has the same details as a standard card, there is only no PIN code, which is missing as unnecessary - you cannot withdraw money from a virtual machine at an ATM or at a bank cash desk, it is.

Sometimes banks offer to get a virtual card on a plastic basis. At the same time, the client will be given a "blank" the size of a standard card without a chip and a magnetic strip, but only with the above attributes - for ease of use.

Such a card is an analogue of a regular bank card, it is exactly the same payment instrument, but without a physical medium, that is, it cannot be held in one's hands.

The main task of a virtual card is to ensure the safety of your funds when making online payments, since you no longer "shine" the details of your debit card, but use the details of a temporary card with a limited limit.

Everyone has probably heard about possible security problems - scammers have come up with various ways to lure money from bank card accounts. It was to reduce the risk of being deceived that virtual cards were invented.

As a rule, such cards are issued by banks (Sberbank, Alfa-Bank, Promsvyazbank, Russian Standard, VTB24, etc.) or payment systems (Yandex Money, QIWI, etc.). The principle of operation is the same for everyone, only the tariffs and methods of registration differ.

"Virtuals" are not credit.

Design and use

To issue a virtual card, you must indicate on the website (or in the terminal of the payment system) the phone number to which its details will be sent. That is, the virtual machine must be tied to the phone without fail - this is also necessary for using the 3-D Secure protocol during payments. It also does not hurt to connect the SMS informing service to receive notifications after each operation. In some cases, SMS informing is included in the cost of service, and sometimes this service must be connected additionally - study the conditions before registration.

To pay online, you will need to replenish the virtual card for the amount you need. This can be done by a simple transfer from a debit card account - if a virtual machine and a debit card are from the same bank, then they usually do not charge a commission for the transfer. Try to replenish it with the amount that you plan to spend on a purchase - it is better to do this every time before a planned purchase (especially on unknown online stores). In any case, safety rules should not be neglected.

To make a payment using such a card, you need to select the appropriate payment method on the merchant's website and enter the standard data:

• name and surname of the cardholder in the Latin layout (this information may not be sent to you, just enter your first and last name in the required form - errors are not critical here);
• card number (16 digits, like a regular debit card);
• CVV2 or CVC2 code (last 3 digits on the back of the card);
• card expiry date.

Take the last three details from SMS after issuing a virtual card. Please note that all the details of your debit card will remain, as they say, with you. They will be inaccessible to either the seller or other unauthorized persons, which means that it will be impossible to steal money from her.

In general, the payment procedure is no different from payments on the same credit or debit plastic cards. You do not need to perform any specific manipulations, everything is standard.

Advantages and disadvantages

The main advantage of a virtual card is its physical absence. She cannot be lost. If you accidentally erased an SMS message with details, then the data can always be restored by an additional request on the website of the bank (payment system). All payments are made after entering one-time passwords sent to the owner's mobile phone (3-D Secure service). And even in case of fraud and theft of money, you will only lose what you have transferred to a virtual card. All details of the main payment instrument remain hidden from prying eyes, which means that your money will remain untouched.

Other advantages include:

1. Ability to set a spending limit. Then it will not be possible to write off a penny in excess of the amount you specified. Such a limit can be set for a one-time write-off or for a daily expenditure of funds;

2. Possibility to block the card if it is suspected of being compromised;

3. Competitive service cost;

Unfortunately, from the information on the official website of Sberbank, this type of card is no longer issued. But the information may be useful to those who already own this type of card. Perhaps the policy of the bank will change in the future and the service "virtual card of Sberbank" will appear again.

A Sberbank virtual card is a debit card for paying for purchases and services on the Internet. They release it, of course, without indicating the physical carrier, that is, it does not have a material origin. Despite this, it is a common payment card. It should be understood that this card cannot be inserted into a payment terminal or ATM, so payment takes place only in the Internet space. In the process of paying with a virtual card, the real data of the buyer is not indicated, which is a completely secure payment method. Card service costs only 60 rubles, it is also possible to link virtual payment systems to the card (Yandex.Money, Qiwi electronic wallet).

What details exist on the virtual Sberbank card

• 16-digit number and expiration date, which are reflected in your personal account in Sberbank Online
• CVV2 or CVC2 code - security code consisting of 3 digits.

How virtual cards work

The main function of a virtual card is the ability to securely pay for the required service via the Internet, while the card itself has additional protection of funds in the account. During the payment process, you can transfer a certain amount of money from the main card to a virtual account and pay using a one-time password. As a result, the amount of money is debited from the virtual account without specifying the details of the main card. There are 2 types of virtual cards:

• Visa Virtual. On this card, it is possible to keep funds only in rubles.
• MasterCard Virtual. This card allows you to keep funds in rubles.

The total validity of the card is 3 years.

Issuing a Sberbank card

There are several ways to issue a virtual card. The easiest way is to call the hotline number (8-800-200-37-47 or 8-495-500-00-05) and provide them with all the necessary information to create an application for a card (a Sberbank debit card is required). If it is problematic to call the hotline phone number, then you can open a virtual Sberbank card online through your phone, just go to the Sberbank application, to the applications tab. Then fill in all required fields:

• Last name First name Middle name (sometimes this field is filled in automatically)
• You must select a map type
• Account currency
• Enter mobile phone number
• Select a rate for the card.

Then send all the entered information. The third way to create a virtual card is to visit the nearest Sberbank branch, where you can get all the information you need and order a card on the spot. You can get a virtual Sberbank card at any branch of the bank, if the application was made specifically for its real issue. At the same time, Sberbank customers are given the opportunity to receive only one Visa Virtual card and also one MasterCard Virtual card. After receiving a virtual account, the next day the amount for servicing (60 rubles) is debited from the main account. As a result, the client can choose a full tariff for himself and receive notifications about all transactions with the card or an economical tariff, information about transactions will not be provided by SMS notification.

Change of application data

A person is not a robot, which means that he is not immune from making mistakes or indicating incorrect data. In this case, the client has the right to return to the page for filling in the details and change the necessary data, and then, if desired, print it out. In the process of registering a virtual card, it will be necessary to confirm the reality of your intentions regarding the creation of a virtual card and confirm this by SMS. Further, if desired, you can set a daily limit on funds, which will protect the client of Sberbank from unplanned expenses. If after a certain period of time the client decides to change, for example, the phone number, then it is necessary to make changes to his personal data on the official website of the banking institution.

Reissue of virtual Sberbank cards

When may it be necessary to reissue a virtual card? Usually this happens at the end of its expiration date, but in case of loss of the security code or other necessary details, this procedure is no exception. The procedure is not complicated and you just need to leave a request to send a new security code. The phone number to which the virtual card was assigned will receive a new security code in the form of SMS, while the card number remains unchanged. There may be cases when, after the application, the SMS did not come to the phone number, then you need to call the hotline phone number and report this problem. It is worth recalling that calls to hotline numbers are provided to citizens of the Russian Federation free of charge.

Sberbank - replenishment of a virtual card

Replenishment of a virtual card account can be made using the PJSC Sberbank terminal using the “card to card” service. An easier way to replenish an account is to transfer from card to card on your own through the Sberbank Online mobile application.

Closing the virtual card

A virtual card can be blocked as unnecessary. You can do this simply by calling the contact center of the bank and leaving a request there. You can also block the card at the nearest branch of the Savings Bank of Russia. In advance of this, it is necessary to transfer all funds from the virtual account to the main one using the Sberbank online mobile application. After blocking the account, the card will no longer be valid and it will be impossible to use it. In order to use the virtual card again, you will need to re-open it by following all the necessary steps for this.

The difference between a virtual and a regular card

If we compare a virtual and a regular card, then there are the following differences:

• ¨ On a regular card, the security code is indicated on its back, and in the case of a virtual card, the security code is sent as an SMS message;
• ¨ On a regular card, its number is displayed on the front side, and in the case of a virtual card, it is indicated in Sbol's personal account;
• ¨ A regular card can be debit and credit, and a virtual one can be exclusively debit;

The pin code is present only on a regular card.