Anyone who uses banking services may need to replace their salary card when changing their last name.
This procedure cannot be called complicated, but it is mandatory for those who have changed their passport data. However, it is worth learning about some subtleties in order to simplify it as much as possible.
If you changed your last name (due to marriage or for other reasons - it doesn’t matter), you should definitely change your passport, and after that re-issue your bank card.
This must be done for the following reasons:
These are just some of the problems that may arise if the personal data of your passport and card do not match.
If personal data changes, the bank card must be reissued.
Card reissue is carried out as follows:
In general, the procedure for re-issuing a card when changing your last name is no different from the procedure for replacing it if it is lost or its validity period has expired.
When a card is replaced, the client’s main account most often remains the same. Only the digital code of the payment instrument changes.
To re-issue a card, you will need only 4 documents:
- new passport (original and copy);
- old plastic;
- a document confirming the change of surname (marriage certificate or document on registration of a new surname);
- a handwritten statement.
How to write an application?
The application is written according to a standard template, which will be provided by employees of the financial institution
The application form contains the following items:
- name of company;
- Full name of the applicant;
- passport details;
- registration.
The card is issued at the bank office. However, an application for reissue can be submitted not only in the office, but also through the website of a specific banking organization.
An approximate algorithm of client actions is as follows:
When the card is ready, you will be notified to visit the bank office via a call or SMS message.
A bank card is issued only at a branch of a financial institution and only in the hands of the applicant.
The procedure for reissuing a card may involve some difficulties.
This happens in cases where the client who has changed his last name actively uses not only the card, but also other banking products: accounts, safe deposit boxes, Internet banking, etc.
Sometimes it turns out that the data is updated only for the card account.
As a result, the client will need to confirm their identity and submit additional applications.
What to do to avoid such incidents? To avoid complications, it is recommended to withdraw money from the account before changing your last name.
Another way to get rid of possible problems is to terminate the contract with the bank early. After re-issuing the documents, you can contact the financial institution and conclude a new agreement.
As a result, the client will be provided with a new account into which funds can be deposited again.
Another problem may arise for recipients of scholarships and salaries on the card. If the educational institution or organization in which the employee works uses new personal data, and the bank uses old ones, then during the calculation of salaries or scholarships, the client’s account may be blocked.
Of course, the money will not disappear from the account, but the client will have to urgently run to the bank and update his personal data. At the same time, the time frame for re-issuing a new payment instrument may be delayed.
To prevent such a situation from arising and to avoid the agonizing wait for SMS messages about the accrual of money, you should not delay the deadlines.
How long does it take to reissue a card when changing your last name?
No bank will issue a new card immediately. You need to write an application and wait 1-2 weeks.
The scoring process for issuing and re-issuing salary cards has not yet been implemented in any bank in the Russian Federation.
Many clients are interested in the question of whether they need to pay money for re-issuing a card when changing their last name.
You should know that in this case, replacing the card will be paid, since it is an unscheduled operation.
If the card, for example, expires, the bank will reissue the card free of charge.
The cost of reissue depends on the status of the card. If we are talking about plastics of the lower level or with social status, then replacement will cost about 50 rubles.
An unscheduled replacement of international status cards will cost slightly more: from 200 rubles and more. The exact price can be clarified by phone or with a bank employee.
A reissued card will not change all its details. The account number will remain the same, only the card number and holder's last name will change.
In some banks (for example, Sberbank), a privileged card is reissued under the same card number.
Changing your surname is not uncommon these days, especially for women.
After marriage (or divorce), a woman who has changed her last name is required to make changes to her passport data and other documents, which include a bank card.
Re-issuing a card when changing your last name is a mandatory procedure, and you should not delay the deadlines.
Replacing a Sberbank card after the expiration date is the main reason for re-issuance, however, in addition to the delay factor, there are other reasons for re-manufacturing the product. The validity period of “plastic” is usually no more than 3 years. In practice, bank cards fail much faster.
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In what cases may the owner of a bank card need to reissue it?
A new release can be planned or unscheduled, produced earlier than the deadline. If the card is overdue, it is replaced early with a new one, in compliance with the requirements of banking rules.
You should change your banking product ahead of schedule:
- in case of withdrawal of the card from use;
- after changing the client's last name;
- when the card shows signs of malfunction;
- if the card is damaged by an ATM;
- when declassifying information related to the card by third parties.
Replacing a Sberbank card after its expiration date
Replacement of an expired banking product must be made. If the renewal is not completed, the credit institution will block the owner's access to the account. Not only debit cards, but also credit cards are subject to reissue, and the replacement procedures do not differ from each other.
What to do with an expired card?
The first thing the card owner needs to do is visit the nearest Sberbank office or branch that issued the product. You must have a passport and expired plastic with you, which should be handed over to the employees of the credit institution.
A Sberbank client has the right:
- extend the service under the same conditions;
- refuse replacement and do not extend service;
- switch to a different tariff and choose a different type of card.
Refusal of service or change of tariff
If the cardholder plans to terminate cooperation, he should write a statement of refusal to replace. To avoid paying for the annual maintenance of a plastic product re-issued automatically, you need to notify Sberbank in advance of your decision to terminate the contract. The minimum notice period is 45 days before the card expiration date. Old “plastic” after this date is subject to confiscation and destruction. The bank's client account will remain operational for another month and a half in order to complete all transactions.
If the client decides to change the tariff and receive a different type of “plastic”, he must fill out the appropriate application. The old card is confiscated, but the owner’s access to the money in the account is retained. During the production of a new card, finances can be managed through the cash desk.
The procedure for re-issuing a bank card under the same tariff conditions
The owner decides where to change the card independently. In the spring of 2017, clients were allowed to apply for reissue of plastic products at any convenient Sberbank branch.
By contacting a Sberbank branch
When visiting the selected office, you must contact an employee of the financial institution. You need to find out from him whether a new card was issued due to its expiration date. If the “plastic” is ready and the owner wants to continue cooperation at the previous rate, he can pick it up on the same day. You will only need to sign the necessary documents. If the replacement was not made, the card holder will have to fill out an application for reissue.
Through Sberbank Online
Owners of debit cards have the right to submit a request for replacement using the Sberbank Online service. You will have to visit the bank office once in order to get a new “plastic”.
Algorithm for submitting an application for reissue using the service:
- Login to your personal account.
- Select the “Maps” section, go to the “Reissue” subsection.
- Filling out the application form, indicating the reason for the replacement.
- Checking the entered information, clicking the “Confirm” button.
- Entering the code received in the SMS message into the field.
Login to your personal account Sections "Maps" and "Reissue" Filling out an application and confirming information Confirmation via SMS
Reissue of a Sberbank card in case of its loss
If you lose your card, you must first block it. Blocking the card will not allow attackers to perform any actions with it, for example, withdraw money or transfer it to another account. After bank employees block the “plastic”, its owner, even if the product is found, will no longer be able to use it.
No later than three days from the date of loss or theft of the “plastic”, you should visit the Sberbank office. This must be done to submit a notification of loss. The card will be automatically terminated. If you do not have a passport, you can present to the bank employee another document with a photograph that allows identification, for example, a driver’s license.
Ways to block a card if it is lost
There are several ways to block:
- call the Sberbank hotline;
- sending an SMS message using the Mobile Bank service;
- entering a command in the personal account of the Sberbank Online application;
- personal visit to the nearest bank office.
Card reissue procedure
To re-issue a card, a written application from the owner will be required, which is filled out along with a notification of loss. You can submit an application to the nearest Sberbank office. In the application, you can indicate the branch of the credit institution in which it is more convenient for the client to receive a new card.
Unscheduled replacement of the card if it is damaged
In case of demagnetization or breakage of a plastic product due to physical impact, an unscheduled reissue of the card is required. If it breaks, you should write a corresponding statement to the bank. Replacement of a damaged product can be carried out at any Sberbank branch.
The owner has the right to leave the same type of “plastic” as the damaged card had, or choose a more favorable rate. If a product is damaged, it is not necessary to hand it over to bank employees for destruction.
Card reissue procedure
The procedure for replacing a card is standard and does not differ from the situation in which the “plastic” was lost. After visiting the bank and submitting an application for an unscheduled reissue, the client needs to wait a few days and then pick up the product.
Replacing a Sberbank bank card when changing your last name
When changing your last name or initials, you must visit the Sberbank office in person. This must be done as soon as possible after receiving a document confirming the change in personal data.
Why do you need to replace the card when changing your last name?
When changing data, you should replace the card as soon as possible for the following reasons:
- if the “plastic” is lost, problems may arise when restoring access to the account opened under the client’s old last name;
- payment transactions for transferring salaries and other income may not be completed;
- there is a risk of inconvenience associated with the discrepancy between the information posted in the Sberbank database and the passport.
Card reissue procedure
The reissue procedure is the following procedure:
- Visit the Sberbank office to leave a request.
- Submission of two applications: to change personal data and to re-issue the card.
- A visit to the bank office to obtain a new “plastic”. The client will need a new passport and another document confirming the change of surname, for example, a marriage certificate.
How much does it cost to reissue a Sberbank card?
The cost of replacement depends on the reason for the reissue. If the “plastic” has expired, the credit institution will replace the product free of charge. You can also update an instant card and a credit payment instrument of the Gold and Premium classes without a fee. Reissue upon application in the Sberbank Online service is also free of charge.
Unscheduled replacement of other types of “plastic” is carried out for a fee:
How long does it take to reissue a Sberbank card?
Both planned and unscheduled card replacements do not take so long. The reissue period takes from 3 to 15 working days.
What information changes when the card is reissued?
During the planned re-release the following will change:
- security code CVV2/CVC2 located on the back of the card;
- validity;
- PIN code.
In the event of an unscheduled replacement associated with a change in personal data, the client’s last name or first name will also change. In case of theft or loss, the card number will also change. Bank account details always remain the same.
The video explains what you need to do after you get your new credit card. Filmed by Sberbank channel.
How to replace a card while in another city?
To replace an expired card at a Sberbank branch located in another city, you must submit an application for service transfer. You need to contact the office where the old “plastic” was issued. The application must provide information about the selected unit and the desired date of issue.
If a bank client has already left for another region, he can contact any office at his location. Sberbank specialists will send the completed application to the desired branch via fax.
