Map youth from Sberbank Conditions. Youth card from Sberbank of Russia - learn everything about her, its advantages and disadvantages. What are the pros and cons of the Sberbank youth card

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What is a youth card

state flags;
photo tobacco products;
photos of famous people;
frames from cinema and cartoons;
numbers or letters;
images officials;
cash signs.

validity period - 3 years;

Arseny, 22 years

Eugene, 19 years old

Elizabeth, 20 years

bookshunt.ru.

Sberbank Youth Card - Design and Design. Debit and Credit Youth Cards Sberbank

Home / Articles / Sberbank Youth Card - Design and Design. Debit and Credit Youth Cards Sberbank

On the territory of the Russian Federation, only PJSC "Sberbank of Russia" provides registered plastic cards not only to adult customers, but also adolescents. Russians from 14 to 30 years can issue a unique card debit, with a credit limit or individual design. This product has a lot of advantages and has proven itself among the clients of a financial institution.

What is a youth card

This product of the bank is designed to an audience of three ages: from 14, from 18 and from 21 years. All Sberbank Youth Cards have a number of features. The main difference is available - inexpensive service, which is only 150 rubles per year. You can get plastic in any branch of Sberbank, presenting a passport. Juvenile Russians can develop only debit, and faces over 21 years old have the right to claim mastercard or a visa with a credit limit. It is worth noting that the Bank considers not only working citizens on the card lending program, but also students.

Youth Debit Card Sberbank

This product is very profitable and convenient for schoolchildren or students. An affordable youth debit card for citizens becomes immediately after receiving a passport at age 14. Use the money that is on the account, the client may at its discretion: pay for purchases in stores, the Internet, or withdraw cash in ATMs. In addition, you can connect to the mobile bank and the "Thank you" bonus program.

Youth card from Sberbank is equipped with chip, so the client's money is under reliable protection. Means from the account can not be lost, which is typical of children and students. If plastic is lost, you can apply for the release of the new financial institution. All Sberbank customers can use the remote service server, paying the balance of the phone or sending transfers without leaving the house. This Bank has the largest network of terminals throughout Russia, so there will be no problems with the removal of cash from the owner.

Youth Credit Card Sberbank

This product additionally provides credit limitIf a citizen of the Russian Federation has reached the age of 21 and has income. At the same time, not only representatives of working youth can receive plastic, but also students receiving scholarships. The client must confirm its income relevant certificate. Youth credit cards give the owner the right to receive all bonuses and discounts that are provided by international MasterCard and Visa systems.

Credit card has a grace period when borrowed money The bank does not accrue interest. If the plastic owner within 50 days after activation, it will time to make money back to the account, then you will need to pay only for the service, and the loan will be free. In the event that the client does not at the expense of all the money, the loan overpayment will be 33.9%.

Youth Card Sberbank with Individual Design

If you wish, you can order plastic on which it will not be a template image, but unique. Individual design should meet the requirements of the bank and go through moderation. To make this option will be longer than the classic. It should be borne in mind that the individual picture on the plastic, which the client will choose - payable service. The cost of unique design - 500 rubles. To select a picture, you can go to the bank website or download your option.

What design can I choose for a youth debit card of Sberbank? The financial institution checks all loaded pictures for compliance. It is impossible to release plastic with the following images:

state flags;
photo tobacco products;
snapshots or caricatures of pornographic content;
photos of famous people;
frames from cinema and cartoons;
photos from the Internet with protective copyright marks;
numbers or letters;
images of officials;
cash signs.

How to issue a youth card of Sberbank

If the age of adolescent is 14 years or more, then it can make this product, submitting an application at any branch of the bank. It is important that the office is in the regions of registration of a potential client. A few days after the order, an employee of a financial institution will call and notify the applicant about the readiness of the product. Issued by passport.

How to get a Youth Card Sberbank:

Contact the division of PJSC Sberbank of Russia.

Fill out the form of plastic release.

Submit income certificates if the application is submitted to the credit card.

Get ready plastic after 7-14 days.

Build a Youth Card Sberbank online

Citizens of Russia is not necessarily applying for plastic release personally. You can send a questionnaire through the official website of the institution, and notice of readiness to get on the phone as an SMS message. Applications for credit cards are considered within two days. Registration of the Sberbank Youth Card online with a unique design will take longer than classic debit or credit. The first thing the bank will check the image for compliance with the rules, after which it will wait when plastic will be released.

Conditions of the Sberbank Youth Card

Boys and girls leave extremely positive feedback on this product, because the product is produced on loyal conditions, the main thing is that the age of the client was 14-25 years old. The validity period is 3 years, after which you can reabling plastic for free. You can order plastic classic or unique design. All tools are equipped with chip and are suitable for shopping on the Internet and belong to the "Mastercard" or "visa" systems.

Conditions of the Sberbank youth card are as follows:

service 150 rubles per year (debit), 750 rubles (credit);
validity period - 3 years;
reissue at the loss of paid - 150 rubles;
you can connect to the "Thank you" bonus program;
supplement for a unique design - 500 rubles.

Cost of the Youth Card Sberbank

For each potential client, it is important to know the price of the product of the visa classic for students and schoolchildren before applying for registration. Information on how much a Sberbank youth map is posted on the official website of the financial institution. Plastic is free, it is necessary to pay only for the annual service of 150 rubles. If a product with a credit limit is selected, then the tariff is 750 rubles per year. Debit visa Classic with an individual design is produced for 500 rubles.

How much is the Sberbank Map youth

This product is available, like other classic - within 14 business days. How long is the Sberbank youth map with a unique design - depends on the regony of application of the application. The plastic is manufactured in Moscow and delivered to the desired division of the bank by Russian Post, so you will have to wait longer than the standard one for 5-10 days.

What grace period by youth credit card

If the card has a credit limit, the borrower has the right to dispose of funds, without interest percent for 50 days. The conditionally grace period of the Sberbank card is divided into payment (30 days), when the borrower makes purchases and settlement (20 days) when the user makes money to the account. In the event of non-payment of debt on time, the Bank charges interest on a loan in the amount of 33.9% per annum and establishes a minimum payment of 5% of the amount of debt. Young people leave about product positive feedback, because it is unique and gives many opportunities to the owner.

What is the difference between the youth card of Sberbank from the classic

Many do not understand what features are inherent in this product of the bank, but it has a lot of features. The main differences between the Sberbank youth card from the classic:

the possibility of registration from 14 years;
service is only 150 rubles per year;
for plastic registration with a credit limit, you can provide both a certificate of salary and a document on the accrual of scholarships.

Video: Bonuses Thank you on the youth map

Reviews of the Sberbank Youth Map

Arseny, 22 years

My own plastic appeared already in 14 years. Parents translated on him small sumsTo control my expenses. Then I got a card 18 + to get a scholarship, and at 21, the bank offered me a credit limit of 20 thousand rubles, as permanent customer. For students is an indispensable option.

Eugene, 19 years old

I designed this youth card Sberbank immediately, as he entered the university to receive a scholarship. Very pleased that I ordered plastic in Sberbank. The service costs only 150 rubles, and the possibilities of mass. Purchases via the Internet are available, the autoplating on cellular and personal Areawhere everything is tracked.

Elizabeth, 20 years

I get a scholarship and translations from parents to the Youth Card Sberbank. I really like to use it, because service is inexpensive, and the plus mass. Bonuses are charged for purchases, cash can be filmed free of charge in all terminals of this bank, most of which run 24 hours a day.

gopb.ru.

Features and conditions for the receipt of youth card from Sberbank

Adolescents from 14 years old, students, young people before execution of 25 years inclusive - Youth Card Sberbank are focused on such an age category individuals. A card has a lot of service benefits, endowed with profitable offholdings and interesting ideas regarding the design.

How many years old is done by a youth banking offer, how much the annual service of the card is worth it, and everything about it that I would like to know - is represented in this material.

Types of cards

Sberbank makes up youth maps for three age groups:

for adolescents from 14 to 17 years;
for young people from 18 to 20 years;
and for persons over 21 years;

A debit youth card is available for minor clients with the ability to dispose of their own means without the service "Overdraft" (short-term lending).

Credit cards can get working young people, students after execution of 18 years.

A student or campus card is designed specifically for students of universities, issued within salary projects with educational institutions and has a lot of opportunities.

Properties:

Commission payment of goods in the network and shops.
Accumulative bonus program "Thank you from Sberbank", returns up to 10% of the tools spent in the form of bonuses and allows them to spend them as a discount of up to 99% in the banks - partner stores.
Instant payment by contactless way - you do not need to get a card from the wallet, give it to an unfamiliar person or enter the defensive code, it is enough to touch it to the reader;
Free connection of the Android Pay service, allowing you to make payment using a smartphone.
Debit youth card with an individual design looks original and interesting. Personal photograph or drawings offered by Sberbank can be downloaded to the main turn.
Application "Sberbank - Online", loaded onto a mobile device, works around the clock and without days off, will allow you to perform banking operations at any convenient time.
The holders of the debit youth card can participate in the contest of photos that receive a chance to get into the music video, and the winners are waiting for a trip to the Festival of Youth and Students.

The table provides information on what conditions Sberbank offers to receive debit youth Visa Classic / MasterCard Standard.

The youth debit card contains personal cash, so it has such an advantage as the absence of a commission for making cash, subject to restrictions on issuing and servicing in Sberbank offices.

It is possible to order a map with an individual design. To content

Student

Established specifically for young scientists, a student card is a real find for modern, targeted young people.

Sberbank card for a student is endowed with such capabilities:

Refill mobile phone, the Internet without writing off the balance for a commission collecting, through the application of round-the-clock access "Sberbank-online", mobile Bank, Terminal, or connected Function "Auto Plot".
Free money transfers Friends living in one city through a mobile application or SMS. The function of the general collection of money from friends, relatives for a certain occasion passes through a request in the form of SMS.
A specially created savings account from 0 rubles will allow pumping money in any quantity for a large purchase, a trip or other goals without writing off the commission for removing money.
Such an additional income as a contribution can make an adult young man if there is on current account 1000 rubles. Sberbank does not require the write-off of penalties for removing money, in this case the percentages are simply not accrued.
A loan for all kinds of goals is issued by young people from 18 to 21 inclusive.

To content

Credit

Youth credit card is limited to age for receiving - from 21 years. Like all Sberbank credit cards, has a preferential fifty-day service period, during which payment for goods and services takes place without a commission, except for removing cash and only subject to timely debt contribution.

To content

What is different from classic?

Tariff youth, for annual card maintenance, five times less than the classic debit cards. The classic card service will cost the owner of 750 rubles for the first year and 450 rubles. In the following years, and for young people, the amount of service will be only 150 rubles.

Photo Forms for Application:

You can also just contact the nearest branch of Sberbank with a passport and order a youth card in place.

The potential client must have citizenship of Russia, permanent or temporary registration.

With the help of a call or SMS to a mobile device, Sberbank notifies the owner that the card is ready and can be obtained, usually the release process takes from three days to a couple of weeks.

To content

The criteria for the selection of a debit card in young people in some way are special. For members of the youth, the main thing is that there are more places where you can pay the card. An instant realization is also played by a significant role. financial operations And preferably in remote mode. At the same time, the main part of young holders of debit cards is completely observed by the question of the availability of commissions. The younger generation is ready to overpay, just to instantly carry out a transaction and do not waste time in the queues. The signs of the selection of the card allow you to find the most suitable banking offers for young people. Based on this, the article presents a special character chart that discloses young people about ten banks offering the most profitable debit cards. *

Several nuances before starting "hit parade"

The phrase "debit card for youth" does not always mean that it is about "plastic" under the same name. Banks that produce a mentioned product and give it a special name, indicating the young age of the client, quite a bit. But this does not mean that the young client will refuse in any other financial institution, which has not yet developed his "youth plastic". Therefore, the above phrase should be understood in two aspects:

plastic card with a special name "Youth";
any debit card suitable for members of the youth on the criteria needs.

In this regard, the following are the proposals that are most relevant to the requirements of young people. Including non-special labeling.

10th place

Opens a list of the best youth financialities of Rosselkhozbank, which serves its debit cards on profitable and attractive conditions. The high position of the organization influenced a huge selection of card products and the availability of a program of discounts, which is most suitable for young people.

Having come to Rosselkhozbank, each wishing will be able to arrange one of the following debit cards:

9th place

Various promotional proposals, availability of own bonus system And a high percentage of charges of the client helped to establish themselves in the top ten leaders and Raiffeisenbank. The system of the institution is attractive in that the customers have the opportunity to save on the planned journey. It is in this direction that the bank has developed a whole accumulative system of bonuses. This approach is very attractive for the younger generation, which is actively traveling.

Raiffeisenbank card line, suitable for young people, looks like this way:

Classic Travel for comfortable and profitable travel;

8th place

For a wide range of choices, a high mark of URALSIB is obtained. The organization offers a choice of classic salary cards to accumulative, bonus, social, non-contact, charitable and even Internet cards. Such a huge set is flawlessly attracting young people, because it helps to choose exactly the card in which there is a need.

With regards to the products of the bank, they are presented in this way:

7th place

A wide range of card opportunities, up to payment of travel in public transport, also enjoys high demand among young people. It is the developed and established functioning of the last option that Gazprombank helps to take a firm position in the ranking of the most popular among the younger generation.

The bank offers the following set of cards:

"Troika", which gives the opportunity to pay for travel in the metropolitan city transport;
"Leopardessa Bary;
Express Card, which also has a non-cash payment function.

6th place

No less important for young people and the accumulative opportunity of their debit card. It is about the fact that some financial institutions along with the issuance of a map of the client are revealed to the last holder can credit a certain amount from any cash accruals on the map (translations, scholarships, etc.). Thus, each time the card is replenished, part of the money will go to the accumulation account. And after a period of time, additional savings will appear at the client. Such a function is convenient for those who want to acquire the desired product, but cannot immediately pay, due to insufficiency of funds. This is where the cumulative account is useful. The specified option is in many banks, but it was she who allowed to take an alpha can be held an honorable place in Chart. After all, the conditions of the organization are well suited for young people.

In the banking department, clients will be offered to issue such cards:

5th place

High percent Accrual per annum on the balance of the card, as well as the bonus provided a worthy place to the VTB24 bank in the top 5 among youth maps. The institution, except for the accrual of additional interest, offers its customers a lot of discounts when purchases in partner stores. Lovers of non-cash payments have the opportunity to save up to 40% of the purchase price. Of course, such a proposal is very tempting for young people, which basically also prefers to pay a card. Due to these advantages, VTB24 Bank is worthy of high position in the ranking.

Clients and all wishing to arrange the map include such options:

4th place

Remote maintenance has always been popular among the growing generation. That is why the introduction modern technologies Customer service has significantly raised the youth ranking of Tinkoff Bank. Due to the absence of its own network of departments, the finchoration offers sufficiently favorable and attractive conditions for maintenance of cards. Also, the peculiarity of the bank is that the process of registration and score management is carried out through the Tinkoff site. It eliminates the client from collecting various certificates, personal visits to the department and, in turn, significantly simplified the procedure for obtaining a card. This approach is very welcome among the younger generation. Everyone can issue a card in just a few minutes. At the same time, the Bank also provides the ability to accrual interest on the balance of funds on the map, which is also very profitable.

The choice of cards of the Bank is presented as follows:

3rd place

Opens the Troika leaders youth tariff from OTP Bank. The proposal is unique in that it is designed specifically for the needs of young holders and is very profitable. For example, the Bank refused to charge with youth boards for servicing a card account. In addition, the success of the product contributed to the presence of large limits for cash withdrawals from the card, the absence of commissions for cashless payment Goods and services (which is very important), free cashing procedure in OTD ATMs and other advantages. The product is quite capable of meeting the needs of young card holders.

2nd place

Honored silver in this competition receive cards for young people from Rosbank. This finching is related to those of the few who have developed a special ruler.

Here is the following set of debit cards:

MasterCard Standard Isic (or International Student Identification Map);
MasterCard Standard IYTC (international junior travel card).

Both products operate on attractive conditions and are able to meet the needs of modern youth. It should also be noted the possibility of the first card from the list. Its peculiarity is that it simultaneously performs the function of the payment instrument and the international identification certificate of the student. This approach is uniquely convenient and is popular with young people. Only those who receive higher or secondary education can arrange the first card. All other categories of young people have the opportunity to use the IYTC product.

Youth card 14+;

Among the huge number of proposals, choose only the most suitable for you. You should not take the map whose functions you will not be useful. After all, there are many institutions that charge for the use of the card. Therefore, in order not to overpay in vain, choose only the necessary.
Defined with the bank, give the value to the terms of service card and the reputation of the institution. Customer reviews will help you determine the reliability and service of the bank.
Choose those cards that will help you save. We are talking about the accrual of interest on your own savings, the presence of cumulative accounts, as well as Cashback.

Sberbank occupies a leading position in its field in the domestic market, which is associated with a competent approach in the development of tariff plans and an individual approach to each client. The "Youth Card" proposed by Sberbank is a unique solution for the younger age category, which has no full-fledged analogues as of 2020.

In this material, we will consider the following questions:

features of the provision of services and customer requirements;
the presence of debit and credit solutions for everyday use;
annual service and prepaid functionality;
pros and cons, based on the study of user reviews;
opportunities for installing individual design and other options.

The Sberbank Analytical Center conducted a collection of statistical information among customers of its own and base of competing organizations, which made it possible to identify the tendency to open debit and credit cards among young people. Such a tendency was reflected in the development of a unique tariff line. Key features of proposals include:

the possibility of using only at a certain age;
preferential program and additional discounts;
participation in the bonus program;
the possibility of free reissue and installation of individual design.

The question of the conditions and advantages of such a decision became fairly common among potential customers, which makes it necessary for its detailed consideration.

Types of youth cards

Studying the above information, users arise a logical question: "Why is this decision unique, because competing organizations already have debit cards for minors?". Sberbank makes cardinal differences in the development of this line:

improved service conditions and presence of a preferential program;
the ability to design a credit card according to a special tariff plan;
free connection to the virtual control panel and a number of additional services.

Such advantages can be key to choosing a solution for everyday use, and the study of the terms of use debit and credit card will confirm these facts.

How to issue a Sberbank Youth Card online

Youth card from Sberbank can be decorated in several ways to date:

by contacting the nearest service center in your region;
taking advantage of the appropriate section of the official website.

Online service is gradually becoming more relevant due to the increase in clients among young people. You can order a plastic product here in just a few clicks, for this you need to fill in the appropriate questionnaire, depending on the type of card received.

If you want to become the owner of a debit solution, it will be enough to indicate:

passport details and registration information;
personal information for feedback;
convenient delivery method.

In the case of credit, the proposal is additionally indicated:

extract about the presence of scholarships from your educational institution;
2-NDFL income certificate if the client has additional methods Earn money.

Additionally, it is worth noting the age framework:

it is possible to become a customer of a salary card aged 14 to 25 years;
lending is available from 21 to 25 years.

Considering, how many years can be used as a proposal, the maximum age is 25 years.

How much is the youth card of Sberbank via the Internet

The timing of the manufacture of plastic products depend on the type of map and the speed of processing your request. For the release of the cards no need to make a fee that will become a pleasant bonus. Delivery When using online services is also carried out on free conditions. If you want to install individual design - release time may increase.

You can find out the specific timing of the processing of your application in the following ways:

by contacting the Specialist Support Specialist at a free 24-hour number;
leaving a written request in the system of tickets;
using alternative modern ways: Online Chat, Skype and others.

After processing the request, you will be reported to manufacture and other detailed information relating to methods for obtaining.

Debit youth card Sberbank

The key feature and the main reason to go to this tariff plan - the ability to use the offer from 14 years. It does not require the provision of a written agreement of parents and other documentation. It is enough to specify the passport data, after which your request will be directed for further processing.

As already mentioned earlier, the plastic card is produced on free conditions, and the annual service cost is only 150 rubles.

For this price you get:

contemporary plastic product that uses the latest protection protocols in its work and the possibility contactless payment goods and services;
basic package mobile banking with prepaid SMS alerts;
ability to use a virtual control panel;
participation in "Thank you" bonuses and other company's business proposals.

There is a restriction, this payment decision must be used as the main one. The card is available in the WISA overseas payment system, which opens up the possibility for the work of payment abroad. detailed information On topical promotions, news and other updates is contained in the appropriate section of the official website. It is recommended to subscribe to the newsletter, from which you will find out actual information About Sberbank's activities, which will allow you to get the most out of everyday use.

Credit limit

The presence of a credit card is a distinctive feature of such a bank offer. Official legislation does not allow to produce funds under the age of adult age, which makes it make up age restrictions until 21 years. Make such a card can be made on preferential terms.

As with any other loan, you need to confirm the presence of a stable source of income:

scholarship with an appropriate discharge from the dean of your educational institution;
additional sources of financing with documentary confirmation;
the official part-time job, where you can make a certificate of form 2-NDFL.

The more sources of income you can confirm - the higher the chance of approval and obtaining the maximum amount. Also, the Bank's management may require a written application for a specific purpose of obtaining funds. It can be the purchase of a specific technical device, payment of training, additional costs, nonsense. This factor may also affect the response.

As for the specific facilities of the tariff:

the amount can be obtained from 15 to 200 thousand rubles;
the grace period for the use of funds is 50 days. There are also their "pitfalls", which require clarification from a qualified specialist;
interest rate when the payment period is exceeded - 33.9%;
commission upon receipt of cash - 4% minimum LEAM In 390 rubles, which is a great indicator for the student. It is recommended to pay the card.

Youth card with individual design Sberbank

Having understood with the terms of service and other features of work with Sberbank tariffs, it is worth going to explore the possibility of making an individual design. Select a unique image from an extended catalog banking organization Or providing a picture for printing yourself. As noted earlier, the deadline for the release of such cards is more classical option.

Civil Code of the Russian Federation makes it possible to manage from 14 years own income (Art. 26). From this age, the Sberbank Map "Youth" is available. Up to 25 years old can be obtained scholarships, manuals, pocket money for international Visa or MasterCard with a preferential service rate. It is convenient to use the means, paying for non-cash or removing the desired amount in the ATM.

What is this card?

This is a nominal debit card, which receives aged 14 to 25 years favorable tariff 150 rubles per year.
As well as a credit card for young people from 21 to 30 years, based on a certificate from a university about scholarships, employment confirmation is not required.

Products work in international visa systems, MasterCard, allow you to pay and receive cash all over the world.

Updated design

Service in Sberbank opens access to its main services:

online banking;
mobile app;
the largest network of ATMs in Russia;
cashback.

Who is intended for?

Youth debit card Sberbank is actively used by students. For them, the possibilities of non-cash receipt are attractive:

scholarships;
benefits;
income from freelance;
funds from relatives for training, accommodation, especially relevant when in another city.

Young people often get pocket money from relatives living separately. Modern grandparents are happy to enjoy transfers to pamper grandchildren from pension.

High school students quickly master cashless payment, actively use plastic. Parents have the opportunity to control the child's cost in detail.

What does "everything just" mean

In the upper right corner of the youth card, the hashtag # is mentioned as a call for communication and exchange of experiences on the network. At the same time, it reflects the essence of the product with which it is really easy to receive money, pay, save, carry out dreams yourself.

Differences from ordinary card

When comparing youth and classical Sberbank cards, some differences are obvious, other conditions have to learn:

	Youth	Classic.
Payment systems	Visa, Mastercard.	Visa, MasterCard, World
Annual service, rub.	150	750 (1st year) / 450 (from the 2nd)
Additional map	Not provided	450 rub. in year
Account currency	Ruble	Ruble / euro / US dollar
Age restrictions for debit	14-25	From 14.
Maximum% of bonuses thanks from partners	10	20

Age

The older client and longer than his banking history, the more attractive products offer him Sberbank.

3 package of services available for young people:

From 14 years old you can:

get a debit youth card;
insure her;
connect keshback;
open contribution.

In 18 years, in addition to the listed services, the loan with the guarantor is issued.
21 years old - the next stage of maturity. With financial consistency, Sberbank customers from this age can make credit cards, loans without guarantee, mortgage.

Debit Visa and MasterCard at a special rate is produced up to 25 years, used until the expiration date. After, a reissue is available on the general reasons.

The right to a youth banknote is preserved up to 30 years. From standard, it is absolutely no different in service. The difference in registration without confirmation of employment and participation in the accumulative system of bonuses Thank you, the lists of partners are different.

How to make in 14 years

You can arrange a debit youth card of Sberbank at the age of 14, leaving the online application on the bank's website or by contacting the passport office.

It will be necessary to inform:

FULL NAME.
Email, phone number.
Passport details
Registration address.
Your educational institution or place of work.

Having considered the application, the bank will report the estimated delivery time. It is up to two weeks.

From 18 years old

Credit registration is available with guarantors. For consideration:

Apply in the department or through the site.
Present in the bank of the passport (your own and guarantors), as well as confirmation of solvency (certificates about the receipt of scholarships, salaries for themselves and guarantors).
Wait for SMS with notice of consideration.
With a positive solution, the money will be listed on debit card.

Cartback card after 25 years

The release of youth debit plastic can be made up to the last day before 25 birthday. It is used for 3 years, regardless of the occurrence of age.

After execution 25 years a few weeks before the expiration of a youth debit visa or mastercard, Sberbank offers to order a product according to standard tariffs. Informing occurs through SMS, personal online office, when appeals to the department.

Debit card

Service:

Issued for 3 years.
Currency - Ruble.
Payment 150 rubles. annually.
Another reissue - 0 rubles; Under the loss, the change ofF.O. - 150 rubles.
Daily limit on clerk through Sberbank - 150 thousand, monthly - 1.5 million rubles.
Full version mobile Bank It costs 60 rubles per month, economical package for free.

Cashless payment is everywhere where Visa, MasterCard accept, including online stores abroad.
The possibility of contactless payment.
Free Cacheback Connection Thank you.
Payment and translations through your personal account in Sberbank-online and mobile application.
Buying metro tickets.
Access to Visa Loyalty Programs, Mastercard - 24 Hour technical support Abroad, discounts in hotels, car rental, excursions and other privileges. Familiarize yourself with the System sites with details.

Terms of provision

For a youth debit card, a passport is enough. In case of temporary registration, present the evidence.

Requirements for the client:

Age 14-25 years.
Citizenship of the Russian Federation.
Registration in the application regions.

The cost of annual service

For young people, it is important how much the map and its annual service is. To reduce extra expenses, Sberbank made an affordable price for the youth card.

Debit visa service or mastercard costs 150 rubles a year. The tariff persists until the end of its expiration after the occurrence of 25 years.

Limits

The maximum amount for the month in cash and terminals of Sberbank is 1.5 million rubles.
The daily limit on the issuance of cash in the terminals of any banks and in the office of Sberbank - 150 thousand.
IN credit organizations Your region can be received daily from account to 50 thousand without plastic presentation.
Enrollment is allowed within 10 million rubles daily.
Cashless payment in the outlets is not limited.
The maximum amount of cash issuing abroad in the absence of an opportunity to use the card is 5 thousand US dollars or equivalent in another currency.

Attention! Commission for one emergency issuance abroad is 6000 rubles.

When translating between customers of Sberbank through the cash desk, there are no limits. You can inform the employee as a card number and accounts. Through a remote personal account, the restriction is 201 thousand rubles. in a day. For self-transfer you need to know a card number or phone. Knowledge of one account number is not enough.

Translation B. foreign currency possible in the bank branch; Online and mobile bank do not provide for such an option.

Interbank Translations by card accounts Only available in a remote personal account (mobile, online bank), the service does not turn out at the box office. Alone you will translate up to 30 thousand rubles. For one operation, up to 150 thousand per day, 1.5 million per month.

How to pay abroad

Youth plastic allows you to pay freely everywhere where Visa and MasterCard accept.

With foreign currency operations, the Bank automatically convert rugs according to the current exchange rate. The Commission is not charged.

Many shops (for example, Aliexpress) offer independently translating the price in different currencies, including rubles. Such a service is unprofitable. The exchange of sellers is more expensive than banking. The client has the right to ask for a base currency, that is, in the one in which prices initially are established.

Card with an individual design

In Sberbank, you can release a card with your own design, which will highlight you from the crowd. But, you can use this function when mapping the VISA payment system.

The service costs 500 rubles. On the site there is a collection from which you can select your favorite design, an independent download of a file for applying an image on plastic is available.

Prohibited:

Letters, numbers.
Poor pricked logo.
Trademarks.
Images on which the copyright is distributed, without the consent of the author.
Images of religious or political sense.
As invalid design options, the bank provides an example of the image of the skull.

The popular story for individual design is a photo with loved ones.

Registration of individual design

On the bank's website, before filling out an application for a map in the drop-down menu, select the option with an individual design.
You will be prompted to upload an image yourself from a computer or from social networks, Choose from the gallery on the site.
By downloading or selecting the image, you can determine its scale and borders for printing on plastic. On the same page, experiment with the color of the Sberbank logo.
By selecting the final design option, go to the standard application fill procedure.

Card with an individual design

Credit card

From January 1 to December 31, 2018 acts special offer For newly applied customers - the first year of service for free. Subsequent - in accordance with the tariff.

The credit limit is considered individually, as a rule, it originally does not exceed 15,000 rubles.

Who is issued

Sberbank's youth credit card differs from the usual opportunity to start it to employment. In confirmation of solvency, it suffices to prevent notification from the educational institution about the receipt of scholarships. After the execution of 30 years will require a certificate from work.

Conditions

For youth, service is no different from standard credit cards:

Issue from 21 years.
The cost of annual service is 750 rubles.
Another reissue is free, onwardness - 150 rubles.
Payment by plastic without commission.
Interest-free installments from 20 to 50 days depending on the date of education of debt.
The grace period does not apply to cash, filmed through an ATM, calculations with a casino; For these amounts immediately charge interest for use.
Annual interest rate is 27.9%.
Cash issuance through Sberbank Terminals 3%, other banks - 4%, in any case at least 390 rubles.
Issuance abroad with a loss or damage of the card to $ 5,000, the commission of 6000 rubles.
Participation in the "Thank you" program, connection free self.

How to get a

You can arrange in the office or through the Sberbank website.

You must comply with the requirements:

Age 21-30 years.
russian citizenship.
permanent registration in Russia.

You must fill out an application and provide a passport. A document confirming the receipt of scholarships or salary will increase the chances of a higher credit limit. When placing online, attach the scan, take the originals with you to receive.

If you receive payments to a debit card or account in Sberbank, the certificate of income does not make sense.

A few days after the application decoration you will be informed about the solution via SMS. With a positive matching, you will be informed of the expected period of issuing a map. Usually it takes no more than 2 weeks.

How to pay

To manage a debt on a credit card and to quench it in a timely manner without the formation of unexpected debt, it is important to know the reporting date on your map. It is indicated on the pin envelope. If you received a credit card without an envelope, the date of the report is considered the number preceding the issuance date.

Example: You received a credit visa on February 5, see the date of the report on the PIN envelope if the issuance without it, the reporting date of the 4th day of each month.

The reporting period begins the day after the formation of the report and lasts until the next reporting day.

In our example from February 5 to March 4, from March 5 to April 4 and so on monthly.

The preferential period of interest-free installments is counted from the reporting date and is 50 days.

For payments made from 5.02 to 4.03, the grace period will last until 26.03 (if in February 28 days). For payments from 5.03 to 4.04 percentages will not be charged until April 23.

When replenished during a grace period, interest is not accrued. With the debt residue, interest is charged for the entire period of use of money.

Returning for example: if on March 26, the debt was left formed on February 6, interest will be accrued for all 49 days!

Information about the reporting date, debt and mandatory payment is available in the online personal account. When the delay is formed, a penalty is charged 33.9% per annum.

Participation in the bonus program "Thank you from Sberbank"

Loyalty program is free. Connect through your computer, mobile application or ATM.

To register from you will need:

Phone number.
E-mail address.
Consent with the rules.

Bonuses will be charged immediately after registration. The term of charging up to 5 days, if the amount of the check is up to 15,000 rubles, to two months with a larger size.

Operations for which the encouragement is not charged:

Through banking Cassu or ATM.
Purchase, sale of currency.
Payment of gambling services, goods prohibited in Russia.
Payment services utilities.
Money transfers.
More than five purchases on one day at one seller.

What is it, and how does it work for a youth card?

For purchases paid by plastic cards, Sberbank returns from 0.5% of their cost as a promotion.

The program involves numerous Sberbank partners who charge high scores up to 10%, and also accept thanks for payment at the rate of 1 thanks \u003d 1 ruble. Actual list Participants are available on the Bank's website. For familiarization, do not forget in the filter to put a tick "youth".

Favorite partner of young people - Burger King, he accepts bonuses to pay, charges 10% cache.

Restrictions often apply minimum payment Points, in particular for King Burger, is 249 rubles. The program partners set the maximum percentage that can be paid through thanks. Burger King - 99% (this means that 1 or 2 rubles real money In any case, you have to pay), Ozon 75%.

Take advantage of points for 3 years, the remaining cancellations.

Visa or MasterCard?

Youth card

Both payment systems Work qualitatively. Cards are accepted all over the world, the conditions for their use are almost the same.

For Sberbank's customers there is one youth rate, regardless of this or mastercard.

Main differences for a youth card

The difference between the two products is noticed by frequent travelers. At payment systems, different partners, including VIP rooms at airports (for premium holders), hotels, transport companies. Customers often celebrate a more developed affiliate network and a visa service. In detail about the privileges of each of the systems, read their official sites.

Functions of payment systems

Is there a world?

A separate product of the world youth Sberbank does not offer. The Russian payment system has yet has a number of restrictions that make it unpopular among the younger generation. For example, payment in many online stores, abroad is very limited.

For all those who want, the design of the standard debit world Available from 14 years old at a common rate of 750 rubles for the first year of service, 450 - starting from the second. But this is another product.

How to order and get a map

For registration of any banking product requires a passport. In case of temporary registration, provide evidence.

Application for youth Visa or MasterCard is possible through the Sberbank website or personally in the office. When filling out the application, you will be offered to choose the nearest office for you, in which the card will be delivered later.

When she is ready for extradition, you will get an SMS notification and be able to pick up by presenting a passport.

How long is the map made

In total, plastic carrier is manufactured two business days. But asking how much youth card is made in Sberbank, we usually mean, after what time to wait for her issuance.

After the manufacture requires time to bring plastic to the selected office. Depending on the region, it takes from 1 to 10 days. Application before receiving passes from three days to two weeks. The bank will inform you about the approximate delivery time.

How to activate?

All bank cards are delivered locked to completely eliminate their use before entering the hand holder. To unlock it is enough to perform any operation that requires a PIN code.

You can query the balance in the bank in the bank in the terminal. This will be enough to activate the map. If you have an additional question, set them consultants in the client room.

Pros and cons cards

Among the plenty of advantages will highlight basic for youth:

Opportunity to enjoy banking products On preferential terms.
Accumulation of banking history, which further increases the chances of receiving advantageous loans, including mortgage.
The probability of losing money from the account is significantly lower than that of coins and bills.
The possibility of binding electronic wallets.

From minuses, we note:

Registration restrictions credit products, age 21 year,
Low credit limits.
The lack of a preferential fare for the world is inconvenient to the residents of the Crimea.

Video: Is it worth it to start a youth card?

Conclusion

Summing up, it is safe to say that Sberbank's youth card is not only modern payment toolpromoting development financial literacy Young people, but also the opportunity from an early age to work out bank history.

And as an additional bonus, the possibility of self-expression through the creation of an individual design.

Debit cards for teens and children is a fairly popular product on the market. If earlier children on pocket expenses were issued in cash, now parents are easier to throw on the card. There are products with reference to the parent account, there is a reference to your own.

The youth card from Sberbank on average estimates is included in the top 3 debit for adolescents and young people. Age category from 14 to 25 years, i.e. from schoolchildren to already working citizens. Let's see who will be more interested in this map and whether it is worth it, we will deal with the bonuses and the loyalty system, as well as go through the pros and cons. The youth is very well advertised, but is it worth the heater of the dressing? Read the review!

The card is available only in the debit name on Visa and MasterCard payment systems with reference to the ruble account.

Age category from 14 to 25 years, i.e. Even if you are still a schoolboy, you can become the owner of a debit card
Annual service - 150 rubles per year
Duration - 3 years
Additional map is not issued
Can be ordered with an individual design
Paypas system, plus there is a binding to the smartphone, thanks to ApplePay or Android Pay, you can not carry plastic with you, but pay the gadget
Free replenishment in ATMs and Cashbank Cassas
Removal in native terminals and cash desks without percent within the daily rate of 150 thousand rubles, then 0.5% of the amount exceeding the limit
In foreign ATMs with a percentage - 1% of the amount, but not less than 100/150 rubles
The daily limit on cashing is 150 thousand rubles, monthly - 1.5 million rubles. But on the removal of other banks, the limit does not apply, i.e. You can shoot more than 150 thousand
Mobile bank is conditionally free - no need to pay for the economical package, and for the full you need - 60 rubles per month.

MasterCard offers to issue a map Youth Sberbank It is on their payment system, and for incentive, they offer a number of additional partners:

Yandex.Aphisha
Railways Tickets
Formula Kino
CINEMA PARK
kinoHod.ru.
Chocolate
yooox.com.
Rendezvous.
The Body Shop.

With a specific percentage of discounts can be found on the official website.

Individual design

Some banks offer their customers a service of individual design, for example, Raiffeisenbank with a map. But the service of such products usually goes to a penny, Sberbank also put a fairly acceptable price tag - only 500 rubles one. Perhaps, for young people, such a service is especially important, because at this age you always want to stand out, so the individual design is an excellent way of self-expression.

Sberbank has a good gallery of its own designs.

You can download your photo from the computer.

How bonuses are accrued

Bonuses in Sberbank are a certain kind of cachek, only in this case the points are accrued, and not rubles, in the amount of 0.5% of the purchase amount. For example, you made an operation for 5000 rubles, from this amount you will receive 25 bonuses (1 point - 1 ruble). You can convert bonuses in rubles only if you are in the fourth level, there is no such function on all other such functions.

Sberbank has a number of partners, for the purchase of which you are credited not 0.5%, but much more - on average it is somewhere 5-10%. Each partner prescribes own percentage and the conditions with which it is advisable to get acquainted in advance. For example, you see the cinema network in the list, come to the cashier and make a purchase on the youth card. Time passes, and the bonuses are not credited, but all because in conditions of small font it was written - it is necessary to pay on the cinema site or in a mobile application.

Now Sberbank has 105 partners, but their composition is unstable and can change. Explore the entire list before making a map, look if there are places in it that you visit. Pay your attention to the fact that not all organizations from the list are simultaneously accrued and take bonuses - 49 seats are credited, 99 - accept.

For customers who are at levels, thank you so much and more thanks are provided by categories with an increased cachemback (see below). Depending on the level, you can choose one / two categories for free and one more / two. Buy for bonuses. In principle, the percentage of free categories give a very good, an average of 10% is a good market indicator. But with paying the situation is a little worse, it is necessary to wait for official rates and watch whether the purchase of these categories will give some exhaust. We remind you that such a porridge you will receive within 3 months before the revision of your level.

The accrual takes place for all operations on the map, except for removing cash, pay utilities and make payments in favor of the state (taxes, fines). If the purchase amount is less than 15 thousand rubles, then the bonuses will arrive at your account within 5 business days, if more, then within 40 working days.

What can you spend bonuses

As we mentioned above, the points cannot be converted to rubles (except for the 4th level clients), but Sberbank on the youth card provides the ability to pay through these newest bonuses in stores. It is worth noting that it is not possible to spend bonuses everywhere, but only among official partners. To do this, select the desired offline or online store and choose the amount you want to write off from your account of the loyalty program. When visiting a retail store, tell the seller about the desire to pay Thank you.

Registration in the program

If you already have a youth map from Sberbank in your hands, then you need to register in the program. Thank you, otherwise you will not get any buns.

The whole process is as follows:

we register in the Sberbank Internet Bank online;
go directly to the loyalty program page Thank you;
in the Profile section, you specify a login and password for further access to the personal account.

There is another registration option - send SMS to number 900 with the text Thanks XXXX, where XXXX is the last 4 digits of your card.

Privilege

From July 1st, 2018, a number of changes occurred in the program - now all the privileges are divided into four levels: thanks, thank you very much, thank you very much and more than thanks. The higher your level, the more different nyashek you get, but to start your level you need to earn and try to save it.

So, everything happens as follows:

make a map;
connect to the program;
we start working hard on your level.

All new program members with the youth card automatically start from a 2nd level. In order to preserve its privileges, it is necessary every month for three months to perform a number of so-called tasks. According to the result, you either leave at the current level, or will be promoted to the third. And now let's understand that you can squeeze out of each level, and what tasks must be performed.

ATTENTION! To obtain a new level, it is necessary for three months to perform the tasks of the desired category, with the privileges you will receive appropriate levels. Sberbank does not establish any restrictions related to the order of the transition, in other words there is an option from the second to jump immediately to the fourth.

Privileges in levels

Level Many thanks:

cachek - 0.5%;
up to 20% bonuses for purchases from partners

Level Huge ATP:

cachek - 0.5%;
two categories with elevated cachex to choose from;
up to 20% of partners

The level is greater than the ATP:

cachek - 0.5%;
four categories with elevated cachex to choose from;
up to 20% of partners;
there is an opportunity to exchange bonuses for rubles

ATTENTION! Only one / two categories with high cachex depending on the level are provided in fact. Another / two categories can be bonus thanks. True, the rates are still unknown, according to the bank's operator, such information will be received only in October, which is quite logical, because the program has been updated in July, so now all participants are at the second level, and will be able to move further only in October.

Tasks in levels

Sberbank requires fulfillment of all mandatory items, and one additional point to choose from.

Level Many thanks.

Mandatory tasks:

Shopping on a map in the amount of 5000 rubles each month;
The ratio of purchases to cash withdrawals monthly should correspond to the next proportion of 30% / 70%, and the amount of spending on the youth card from Sberbank may be an increase in up to 50% (for example, you buy by 6,000 rubles, you will withdraw in cash 14,000 rubles).

Tasks to choose from:

The entire estimated period on your card should be an uncompanable balance of 10,000 rubles
If there is a credit card from Sberbank, spending should be at least 10% of the credit limit.

Level thank you so much.

Shopping on a map in the amount of 5000 rubles each month.
The ratio of spending to removing cash monthly must correspond to the next proportion of 50% / 50%, and the amount of costs on the map may be an increase of up to 85% (for example, you buy for 10,000 rubles, you will withdraw in cash 10,000 rubles)
You can not make payments using the youth card in branded ATMs and terminals, as well as branches of Sberbank (payments include purchases, pay for various services, including housing and public utilities, fines and taxes)

Tasks to choose from:

The entire estimated period in the account must be an unwarded balance of 10,000 rubles
With a credit card, spending should be at least 30% of the credit limit
make a minimum of one purchase every month during settlement period With the help of a smartphone, or Sberbank applications online, or on sites Thank you Travel / Impressions / Online Market.

Level is greater than thanks.

need to buy in the amount of 5000 rubles every month
The accounting ratio of the account monthly must correspond to the next proportion of 85% / 15%, and the amount of spending on the card may be an increase of up to 100% (for example, you buy by 17,000 rubles, you will withdraw in cash 3000 rubles)
Cannot make payments in branded ATMs and terminals, as well as branches of Sberbank
It is necessary to either make one actual credit card operation, or open / replenish the contribution, and one of these actions must be made every 3 months.

Tasks to choose from:

Keep the entire month on the account of an uncomplicable balance of 10,000 rubles
If there is a credit card from Sberbank, then spending should be at least 50% of the limit
Make a minimum one transaction per month during the estimated period using a smartphone, or Sberbank applications online, or on sites Thank you Travel / Impressions / Online Market