Visa classic personal debit card of the Savings Bank. A detailed review of the Visa Classic credit card from Sberbank. How to use the card

MasterCard Standard - a credit card with an optimal set banking services and an attractive service cost. This is a convenient opportunity to make purchases all over the world, where bank cards are accepted for payment.

General information

Credit limit: up to 300,000 rubles.
Interest rate from 27.9% * to 36%
Grace period up to 50 days
Service fee 750 rubles per year
Card validity period - 3 years

* In the case of a personal offer of a credit card on special terms with a pre-approved limit.

Additional options

The card is protected by an electronic chip. Additional cards are not issued. There is an emergency cash withdrawal service in case of loss of the card abroad. "Auto payment" for payment cellular communication, Housing and communal services and other services. There is a program “Thank you from Sberbank”.

Client requirements

Russian citizenship;
age from 21 to 65 years old inclusive;
permanent registration on the territory of the Russian Federation;
total work experience of at least 1 year over the last 5 years and the period of work at the current place of work at least 6 months.

You can get a card on preferential terms on a pre-approved offer if:

you receive a salary or pension on a Sberbank card;
use a Sberbank debit card;
have deposits with Sberbank;
received a consumer loan.

Advantages and disadvantages of a credit card

No hidden fees
Special service " Mobile bank»,
The opportunity to receive a personal offer on favorable terms
You can apply for a card at a Sberbank branch or submit an application on the Internet. If the offer is ready for you, you will immediately see the approved credit limit and preferential terms. The card will be delivered to the branch of your choice. Issuance and processing of a credit card for a pre-approved offer takes 15 minutes.

Minus: Transfer between your accounts: from debit cards to a credit account in the system can go within 24 hours. Not a very convenient solution.

Reviews

I have a Visa Classic Sberbank credit card, I have been using it for over a year, so far only a positive opinion. I issued a card at the nearest branch of the bank, I provided only a passport, since I am a holder of a salary card of Sberbank, no other documents were required. The card was issued on the same day. It is convenient to pay for purchases, plus there is Grace period, monthly SMS comes with the amount that needs to be paid, it's just as convenient!

My parents have been the owners of Visa Classic cards for more than a year, both debit and credit, and, of course, they were issued in Sberbank, since this is the most reliable. There are no problems and difficulties in using the card, as well as no risks, protection is at the highest level. I have the same youth card, with annual service 150 rubles per year. The first year the service was free. I mainly use the card to pay in online stores.

Credit cards are an excellent solution for those who would like to always have a small cash reserve for unplanned purchases. In addition, they allow you to take advantage of finances without waiting for your paycheck. And if you cover the loan during the grace period, you will not have to pay interest to the bank. All these aspects distinguish the product favorably from consumer credit or microloan.

Credit card Visa Classic, issued by Sberbank, has a number of advantages. The conditions for using a credit card are quite simple and straightforward. The bank will not charge the client for hidden fees or unreasonable fines.

Maintenance of plastic is also easy. A wide network of branches in all cities of Russia, a round-the-clock telephone support line and reliable Internet banking are indisputable advantages that the Visa Classic credit card of Sberbank can boast of.

Differences between credit cards and debit cards

And yet, despite all the attractiveness of the offer, before deciding to issue a credit card, it is worth considering that such cards differ significantly from debit cards. Not only the possibilities of plastic differ, but also the conditions of receipt and service. In particular:

You can't get a credit card just like that. Unlike debit products, credit cards hold the bank's money. To acquire the right to use them, you will have to go through a series mandatory procedures and provide certain documents. In general, the procedure for obtaining a Sberbank Visa Classic card, as well as many other plastic credit products, is similar to the registration of a consumer loan.
Withdrawing cash from a card at an ATM will always involve charging a commission.
Presence of a permanent place of work and size wages will affect the amount of the credit limit provided by the bank.
Map in mandatory will be named. In some cases, it will contain not only the name and surname, but also a photo of the owner.

For comparison, a similar product - a salary card - does not allow the holder to use borrowed funds. You can store and accumulate only your own funds on it.

Credit card from Sberbank: main features

The Sberbank Visa Classic credit card is easy to design, and its annual service will not cost too much for the holder - no more than 750 rubles. There is no annual usage fee for the first year of use.

The main characteristics of the product also include the following aspects:

Service in the amount of 750 rubles. It is debited every year in a single amount, in the month the card is issued.
If there is a pre-approved offer of the bank, the card is provided free of charge and without additional requests and documents. Note that Sberbank can make such an offer by default to its permanent depositors or owners salary cards.
The card is issued only in one service currency, namely, in rubles. Loans in foreign currency are not provided for it.
The annual rate is 25.9 - 33.9%. The final figure is determined by the bank based on the individual characteristics of the borrower. By the way, the interest for credit cards is always several times higher than the interest for consumer loans... In the case when the bank offers to issue a credit card on the basis of a pre-approved application or records a positive credit history of the client, the rate can be set according to the lower bar.
The grace period for the card is 50 days. This is a fairly reasonable period of time during which the borrowed funds can be returned without paying interest on the loan.
Credit card supplied modern system protection, and without fail has a chip and / or magnetic tape.
The service of SMS notifications about the movement of funds on the account or the Mobile Bank is connected upon request and free of charge.
The product supports the possibility of free access to Sberbank Online. The system allows you to make any payments via the Internet.

How to get a Visa Classic credit card from Sberbank?

The Visa Classic card supports two design options:

According to the previously approved proposal.
After submitting an application to the bank.

The first option is considered the simplest and most reliable. In this case, the applicant will be guaranteed the receipt of the card. If a client keeps a deposit in the bank, has a salary card or pays a loan without delays, then there is a high probability that Sberbank will offer him to issue a credit card, moreover, on special conditions.

For reliable customers, a preferential loan rate and favorable terms for servicing plastic are provided. At the same time, the borrower is not required to provide any documents other than a passport.

If the receipt of credit funds is the initiative of the client himself, and the bank's offer has not been formed, you will have to draw up an application to the bank. The easiest way to do this is through or simply (if you do not have access to Internet banking yet). Parallel to this, upon request financial institution, you will need to provide a number of documents confirming the applicant's solvency. Among them:

Documents confirming the receipt of income (2-NDFL certificate or certificate in the form of a bank, an extract on the amount of pension).
Documents confirming the official employment of the borrower (certified copy of all pages work book, copy of the employment agreement or contract).
Certificate of ownership for real estate owned by the applicant or TCP.

In addition, a borrower can only be a person aged 21 to 65 years old who has Russian citizenship, permanent registration and general experience of work for at least a year (and at least 6 months at the current place).

If the critical need for borrowed funds no, it is better not to rush to submit an application and wait for the formation of a proposal at the initiative of the bank. The offer is guaranteed to go to those who have:

there are institutions;
a deposit is made;
the loan is successfully paid;
open salary or pension card at Sberbank.

How to use the card?

It is extremely important to understand how to use a Sberbank credit card. This is useful to all those who want to safely avoid loan delinquencies and, as a result, overpayments caused by lack of information.

Let's list a few simple rules compliance with which will make cooperation with the bank as comfortable and profitable for the client as possible:

The Visa Classic card from Sberbank is most profitable to use for cashless payments. This is its key feature. You can make payments in stores through terminals, making purchases in online stores or through Sberbank Online. You should not use a credit card to withdraw cash. First of all, a commission will be charged for this operation (on average, 4% of the amount + 150 rubles for the fact of withdrawing funds). In addition, the grace period does not apply to such transactions.
If the card was used to withdraw cash, then the interest on this amount will be charged from the next day after the transaction. It will also be included in the monthly payment. In this case, you can find out the exact amount of payment and the date using the Sberbank Online service. Additionally, notification is received via SMS. Activating the Mobile Banking service will save the owner from annoying misunderstandings.
A credit card can be replenished using Sberbank Online, at a bank branch, through a terminal, an ATM by transferring funds from other accounts. If the transfer is made from an account of another bank, then it should be borne in mind that the process of replenishing the card can take up to 5 business days.
All transactions on the card are recorded, and based on the results of its use, credit history holder. The information is stored in single bureaus, therefore, in the event of unfair use of the loan, subsequent attempts to take out a loan from any other bank will not be crowned with success. You need to carefully monitor the timely and full receipt of funds to the account.

Credit card Visa Classic - excellent reserve Money... It will allow you not to borrow from your friends and family before your paycheck. In addition, what is stored there is renewable. This allows the product to be used as needed over time.

However, before withdrawing money from a credit card, we recommend that you familiarize yourself with all the conditions and tariffs so that you do not face difficulties and serious troubles in the future.

In the 21st century, it is difficult to meet a person who would not use bank cards... The largest issuer in Russia, Sberbank, offers an extensive line of payment instruments with or without a credit limit. The Visa credit card is of great interest to Russian citizens, which Sberbank positions as an optimal and comfortable means for a wide range of activities. financial transactions... The most popular is the Classic type, which gives holders ample opportunities.

Credit Visa Classic is a card that can be used to pay for goods in real and online stores not only in Russia, but throughout the world. It is suitable for making payments for services provided, sending transfers and other purposes. This is a full-fledged means of payment that performs the function of a wallet.

Since we are talking about a credit card, all the costs described above are borne by the bank. The task of the holder is to pay off the debt on time, that is, to fit into the grace period. In this case, you will not have to pay extra interest on the amount spent.

Classic is a banking magic wand that allows you to make your dream come true not in the future, but right now.

The credit limit for the described product, if we are talking about a standard mass offer, is 300,000.00 rubles. An individual offer for trusted clients may be 600,000.00 rubles.

Differences between credit cards and debit cards

Credit Visa Classic has a debit counterpart. So that you do not confuse two completely different means of payment, consider their differences. The described plastic differs from the debit counterpart as follows:

in addition to an identity card, when submitting an application, you must provide documents showing that the borrower is employed and has a stable income;
good CI (credit history) is required to obtain plastic;
when withdrawing on personal funds in self-service machines, the bank always charges a commission percentage;
the size of the loan is influenced by the position of the applicant and the amount of monthly income;
plastic is always personalized, in some cases, in addition to the full name, a photo of the holder may be located on it.

Conditions for receiving

In order to become the owner of the described plastic, you need to meet the requirements of a financial institution:

the lower age limit is 21 years;
the upper age limit is 65 years;
citizenship Russian Federation;
registration in the city of circulation must be completed;
permanent job;
in the last place of employment, experience of at least six months;
good CI.

These are the requirements of Sberbank to borrowers. Failure to comply with one of the listed conditions will cause a refusal.

Registration and required documents

If you meet the requirements of Sberbank and want to get the described credit card, the first thing to start with is writing an application. There are 2 ways:

go to the office and agree on the issue with the service employee, get help from him in completing the application;
independently draw up and send an application in the Sberbank Online service.

The bank will need the following documents to make a decision:

Identification.
A copy of the work book, which must first be certified by the employment company. The document will be valid for a month.
NDFL-2.
Entrepreneurs must document their status and show how much income they receive on a monthly basis.

The content of the package of documents depends on whether the applicant is a Sberbank client. The list is relevant for those who first decided to open an account with financial institution.

Salary clients do not need to prove employment and show income.

When it comes to a loan large sums Sberbank imposes additional requirements on customers:

work experience over the past 5 years must be at least 1 year;
if a pensioner does not receive payments through Sberbank, he should contact the PF branch and receive a certificate of the amount of the pension for presentation.

Using the card

It is important for a credit card holder to learn how to correctly use this analogue of cash. Remember that plastic is a loan that must be repaid on time. Minimum monthly payment for Visa Classic must be at least 5% of the amount spent.

If you deposit less than 5% or nothing at all, Sberbank will impose penalties in the form of 36% per annum on the amount of the debt.

Cash withdrawal conditions

Although it is not profitable to withdraw cash from a credit card, at any time you may be faced with the need to do so. This option is available and can be implemented using terminals, ATMs and cash registers of the financial institution. The commission will be 3% of the withdrawn amount. It is allowed to remove at least 390.00 rubles.

Commissions and interest rates

In user reviews, you can find out that the Visa Classic credit card is one of the most advantageous offers financial market... The figures that characterize it "speak" about this:

daily withdrawal limit - 50,000.00 rubles;
the above 3% for cash withdrawals is lower than the similar rate of competitors, which is 4%;
you can apply for a credit limit in the amount of 15,000.00 to 600,000.00 rubles, the amount depends on the relationship between the bank and the client;
service price - 750.00 rubles per year, if the client received a personal offer - 0 rubles;
the annual loan interest is 25.9%, which you will pay only if you do not meet the return in the grace period.

Sberbank issues a credit card, which in many respects is ahead of similar products issued by other financial institutions.

Terms of loan repayment and card closing

Credit card grace period is 50 days. It is divided into 2 periods:

Reporting - when you can spend money within the limit given to you. Lasts 30 days.
Settlement - when you need to return the amount spent in part or in full. Lasts 20 days. Together with settlement period the next billing period begins.

You can pay off your credit card debt:

using the banking service "Sberbank Online";
in the application for mobile devices;
in self-service machines of both Sberbank and other financial institutions;
at the bank's cash desk.

It is important to do it on time. You can also find out the amount of debt in the listed services.

If you intend to completely close the credit card, you need not only to pay off the debt and stop using plastic, but also come to Sberbank, write a statement and return the payment instrument to the issuer for destruction.

Card maintenance cost

The credit card is issued for 3 years. During this period, you will have to spend 2 250.00 rubles for its maintenance, that is, 750.00 rubles per year.

The amount is debited by the bank automatically at the beginning of the year, in the month when the plastic was issued to the holder.

How to manage the card? The ways

You can manage a payment instrument using 2 services:

internet banking;
mobile application.

Both options allow you to control the balance, check spending, make payments and pay off debt to Sberbank.

Additional features

We recommend that you connect to Sberbank immediately after activating your credit card. bonus program"Thank you from Sberbank." It will allow you to receive cashbacks for payments made for purchases and to participate in promotions of partners of a financial institution.

Classic Visa cards from Sberbank have been in constant demand among Russian citizens for many years. Products and services of this type characterized by simplicity of design and favorable terms... In particular, Visa Classic has the lowest annual service cost compared to other plastic products of Sberbank (all Sberbank cards). You will learn from this material about what types the classic Visa cards are divided into and what parameters are characterized by.

What are the classic Sberbank cards?

Currently, Visa Classic cards from Sberbank are presented in two types:

Debit... it payment instrument designed to save and pay from personal funds. For example, a client's salary is most often transferred to this card, that is, salary cards are always debit cards.
Credit cards provide an opportunity for the consumer to use borrowed money from the bank at interest. But there is an advantage - a grace period. The period during which you can use the bank's money without interest. The main thing is to top up your balance on time. In Sberbank, credit cards have a grace period of 50 days.

Let's consider these products in more detail.

Classic debit card of Sberbank Visa

Debit classic Visa card from Sberbank is available for registration Russian citizens who have reached the age of 18 and live in the territory of the Russian Federation. The product is produced in a standard design and with an individual design. In the latter case, the client will have to pay an additional 500 rubles for an individual design.

Basic conditions

Terms of granting Visa Classic debit type:

Issue - free;
Annual maintenance cost: first year - 750 rubles, subsequent - 450 rubles;
Additional individual design - 500 rubles;
Issuance of an additional card is free of charge, but the cost of its annual service is 450 rubles per year.

From a debit card of Sberbank, you can make transfers by any in a convenient way... You can also pay it abroad.

On a note! Remember to convert. In Europe, rubles (if you pay with a ruble card) will be converted first into dollars, and then into euros, which is not entirely profitable. You can avoid losses by issuing a card in the required currency, or although payment system Mastercard.

Additional options

Holders of the classic debit card of Sberbank can connect to the "Thank you" bonus program from Sberbank and receive 0.5% of the check amount to a special bonus account. When making purchases in partner stores of the project, up to 20% of the amount is returned to the account. This is a form of cashback.

Also, the client will have access to such additional services as Sberbank Online and the Mobile application. Registration and operation are free.

You can also connect the additional option Mobile Bank - this is a paid SMS-informing service, which also makes it possible to perform a number of operations, such as:

checking card balance;
money transfer to a Sberbank client;
replenishment of the mobile phone account;
activation and deactivation of the Auto Pay for Phone service.

Price Mobile Bank depends on the selected tariff - 30 rubles a month - "Economy" and 60 rubles. - "Full".

Cash withdrawal

Cashing a classic Sberbank Visa card is possible using an ATM or at the bank's cash desk. The commission is not charged if during the day you withdraw no more than 150,000 rubles through an ATM or cash desk of Sberbank. Per month - up to 1,500,000 rubles.

If you need to withdraw from the card large amount, contact the Sberbank branch with your passport and the plastic product itself. The amount exceeding the established limit is charged 0.5% commission.

When cashing out through self-service devices or cash desks of other banks, the commission is 1%, but not less than 150 rubles.

Classic credit card of Sberbank Visa

A classic Visa credit card from Sberbank can be issued individuals from the age of 21.

Sberbank does not issue credit cards from the age of 18!

You can order a card issue like in the office financial structure, and via the Internet in your personal account, if you are already a client of a financial structure. If you need to go to the bank with your passport and pick up the plastic. The necessary additional documents will be announced by phone, or sent by the list to the e-mail indicated in the questionnaire.

Conditions

Credit card Visa Sberbank is characterized by the following parameters:

the issue is free;
the maximum amount of the credit limit is RUB 300,000. (for a mass offer) and 600,000 rubles. (according to individual conditions);
interest-free term for using a loan - 50 calendar days;
annual interest rate- from 27.5%;
service cost - free;
validity period - 36 months.

Additional features

Holders of a classic Sberbank credit card can also connect to the bonus program "Thank you" and receive for each purchase 0.5% from the bank or up to 20% from partners, provided that the expenses were in their stores, pharmacies, gas stations, etc.

Holders of a classic credit card from Sberbank can register for free in their personal account or the Mobile application, having previously downloaded it to their phone.

It is also recommended to activate the SMS-informing service, so as not only to be able to check the balance or pay for the phone (any transfers from Sberbank credit cards are prohibited!) but also find out the amount of debt.

To check the amount of debt on a Sberbank credit card, send an SMS with the word "DEBT" to number 900. If you have several cards linked to one number, indicate after the word DEBT XXXX - the last 4 digits of the card number.

Quick application form

Fill out an application now and get money in 30 minutes

A plastic card is one of the most famous bank loan products. It is a simple tool that gives the holder access to a personal account at a financial institution and is used to cashless transfers, and through the worldwide network. The Visa Classic Sberbank card is perhaps the most popular example of a banking product; it is issued in several versions - salary, debit and classic credit.

What is visa classic card

The choice of plastic cards is now wide, each bank seeks to attract customers special offers for various types of banking services, including plastic. Often a simple solution is effective, as can be said about banking product- Visa Classic. Ease of service, the ability to perform transactions using the online service from your personal account, receive Additional services... There are three options for obtaining account service for Visa Classic - debit, credit and salary, which differ in the way the funds are used on the account.

Debit

Feature of debit card Visa Classic Sberbank - use own funds on the account, it is suitable not only for paying for goods by bank transfer, but also for transferring wages, pensions, benefits. The cost of the annual service is 750 rubles. for the first year and 450 rubles. for the next two years (issued for three years). Re-issue is free, there is a function of choosing a currency (rubles, euros or dollars).

Additional benefits:

protection by an electronic chip;
issue of an additional card linked to single account;
access to the Internet banking system;
activation of the "Mobile Bank" service;
payments abroad;
payment for goods in online stores abroad;
payment by touch;
opportunity to participate in charity program"Gift a life";
crediting discounts and special offers to the bonus account;

Classic credit card of Sberbank

The Sberbank loan program includes the issue of a classic credit card, which provides the use of credit funds jar. The annual service for the Visa Classic Sberbank card is 750 rubles, the validity period is three years, but there is a program for which the cost of service is not charged - if there is a personal offer with a pre-approved limit.

Other benefits:

grace period for credit card holder - up to 50 days;
credit limit from 15,000 to 600,000 rubles;
annual interest rate - from 23.9 to 27.9%, payments are calculated using an online calculator;
0.5% bonuses and up to 50% discounts when purchasing goods or services for partners;
Personal Area in the Sberbank-Online system;
Mobile Bank;
payment by touch, including a smartphone.

Salary Visa Classic

Sberbank provides an opportunity to open a salary card Visa Classic Sberbank. You need to issue a card through the head of the organization, which concludes a special contract for salary project to transfer earnings to your employees. It is necessary to provide information about employees, certified by the head of the organization and the chief accountant.

Benefits of salary cards from Sberbank:

validity period 3 years, service 750 rubles per year;
clients get access to Internet banking;
the ability to replenish yourself;
after the expiration date, the Visa Classic card of Sberbank is automatically extended;
I have an opportunity free service with active use;
the client uses the services of the bank;
take advantage of connecting to credit programs jar.

How to get a Visa card at Sberbank

To apply for and receive a Visa Classic Sberbank card, you need to contact the nearest office of Sberbank, present a passport of a citizen of Russia. A bank employee will draw up a contract that will need to be signed. To issue a credit card, a banking institution may request other documents - a certificate of income from the place of work, confirmation of continuous work experience. For holders of salary accounts, this is not required, one passport is enough. You can order on the Internet on the bank's website, then the registration procedure will be shorter.

Requirements for the future owner

The bank will approve the receipt of Visa if the prospective client meets the following requirements:

citizenship of the Russian Federation;
permanent registration in the Russian Federation;
age over 14 years for the main (youth) and from 7 for additional parents tied to the account (for obtaining a credit card over 21 years old)
for a credit card - permanent work experience of at least six months at the last place of work, a certificate of income for the last three months.

How much does Sberbank card service visa classic cost?

The first year of servicing an international plastic card Visa Classic Sberbank costs 750 rubles, the amount is debited immediately after registration, for the second and third years 450 rubles will be debited for the annual service. As for the credit card - 750 rubles are debited here every year, issued for three years. Sometimes the bank offers a credit card to reliable customers who receive a pre-approved offer, then no money is charged for servicing.

Sberbank Visa Classic card issuance

There are two ways to get a Classic Visa at Sberbank. The first one - in person through bank branches:

find the geographically closest branch;
present Required documents;
to write an application;
sign the drawn up contract;
get a pin code;
activate;
deposit funds in the account equal to the annual service amount;
start using Visa Classic.

It can be ordered on the Internet, which will save time spent at the bank, but will increase the issuance period for Visa Classic. You need to go to the bank's website and fill out an online application. After approval on email you will receive a notification that the Sberbank visa card is ready, indicating the address of the branch where it must be obtained. The unnamed plastic can be picked up upon receipt, the production time for the personalized one is approximately 10 days. It takes two weeks to wait for the receipt, when ordering on the site, plastic is issued for 3-5 days longer. Savings bank issues credit cards only at the central office of the city.

What documents are needed

The main document that is required for registration debit card Classic visa is a passport of a citizen of the Russian Federation, a mark of permanent registration. To open a credit card for persons who receive a salary for Sberbank plastic, they only need a passport. New clients may be asked to present a certificate of income for three months, a copy of the employment or contract, or a certificate of registration of an individual entrepreneur. Pensioners are required to submit a certificate of the amount of the pension (except in cases where pension payments are transferred to the account of Sberbank).

Card activation

In the bank, the client is given a new plastic in a blocked form, the debit plastic card can be activated independently, the credit card must be unblocked itself. Any Visa starts working within 24 hours after its issue, but it happens that you need to use it right away. What to do in these cases?

Unblock at ATM - insert and make any request. After entering the PIN code, the card is unlocked.
In the department - perform any action through the terminal by entering the pin code.

Sometimes you can find information that the Visa Classic Sberbank card is activated via the Internet or via a hotline. It's not like that at all. To protect users from fraud, this activation method is not possible, you need to go to the nearest ATM or bank branch with a pin code that is issued when concluding an agreement on hand. If unlocking failed, check the correctness of the entered data, and then contact a bank employee or call hotline.

Visa classic card capabilities Sberbank

Plastic card Visa Classic Sberbank is one of the most popular classic debit and credit products of the bank. The choice of banking services is impressive:

choice of currency - ruble account, euros or dollars;
conducting non-cash transactions, transferring to the accounts of other users;
protection by an electronic chip increases the safety of use;
the possibility of using it as a salary;
buying from online stores abroad;
plastic is accepted for payment abroad.

Credit card Visa Classic Sberbank has similar capabilities, but there are differences;

cashless payments throughout the territory of the Russian Federation and beyond;
the possibility of free service with an approved loan offer;
credit limit of 50 days;
release name card with chip protection;
contactless payment, connection of a payment system for purchases with a smartphone (if there is a special application);
free SMS information;

Additional features

In addition to the standard ones, there are additional services that make the use of Visa Classic even more convenient:

participation in the "Thank you" bonus program, accumulation of bonuses that are spent in stores and partner enterprises;
qualified customer support;
additional protection system for online transactions;
"Auto payment" - setting up important operations;
individual design;
the ability to pay abroad, a service for the emergency issue of money in case of loss;
participation in profitable promotions from the Visa system;

How to manage the map

Modern banking plastic instruments are not difficult to manage. The main thing is to follow the safety rules, remember and not tell anyone the PIN code and CBV2 code. You can deposit and withdraw money through the ATM network or a special terminal at the bank branch. With the development of the Internet, it has become much more convenient to use the Sberbank-Online system for managing an account, and it is convenient to control transactions with SMS-informing Mobile Bank.

Sberbank Online

Visa Classic provides additional features managing money on the account using Internet banking. The system is available on PC and smartphone. On mobile phone a notification is sent about all performed operations. To connect, you need an activated "Mobile Bank" service, then register on the website, where you will receive a username and password. Through the service, you can transfer funds to accounts of Sberbank and other banks, make purchases, pay fines, set up auto payments.

Mobile bank

Convenient system of control over the funds on the account, to connect it, you need to insert a card into the ATM and select the function "Connect a mobile bank". Further, using special commands:

the owner receives information about debits and credits;
checks the balance on the account, receive a mini-statement;
pays for a mobile phone;
transfers money to a client of Sberbank;

Self-service devices

You can replenish the instrument or, vice versa, withdraw funds from a self-service device - ATMs and payment terminals. To do this, you need to remember the pin code, without it, any operations are not performed. To dispense cash and manage an account through self-service devices, you need to insert a card, enter a pin code, select the desired menu item and follow the instructions.

Carrying out operations with the Visa Classic card

It is not by chance that plastic has become so popular. With it, you can not only pay in stores, but also transfer money to other accounts, pay off loans, buy currency. In the modern Internet space, you no longer need to look for an ATM to withdraw or deposit cash. This can be done via convenient system Internet banking, which is available to any user.

How to top up a card account

The personal bank account is funded as follows:

At the bank branch, through the cashier. This is convenient in case of large amounts, minus - the money is credited in three banking day;
Through an ATM with a cash deposit function;
Through the Sberbank Online system, by entering your personal account. You need to connect to the Mobile Banking service, which links the account to a specific phone.

Transferring funds to a card of another bank

The Visa Classic Sberbank card allows you to instantly transfer money to the account of another bank in the Russian Federation. Limit size of one money transfer is 30,000 rubles, the commission will be at least 30 rubles, 1.5 percent of the amount. Transfer limit per day - 150,000 rubles. This can be done through:

Sberbank-online on PC or via mobile app;
ATM or terminal, for this you need the recipient's card number.

With debit Visa, you can withdraw money through an ATM per day up to 150,000 rubles. and 5,000,000 rubles. per month, at the cash desk of the department upon presentation of a passport - up to 50,000 rubles. (when withdrawing, in addition, a commission of 0.5% of the amount is charged), while the commission is not charged. The minimum commission for withdrawing cash from an ATM of another bank will be 150 rubles. or 1% of the amount. Receiving cash from a credit card is not profitable, minimum commission will amount to 390 rubles. or 3% (4 in the terminal of another bank).

Possibilities of contactless payment with the visa Classic card from Sberbank

Modern banking plastic instruments are equipped with a contactless payment system. They are marked with "waves", the same pictogram is shown on the terminal. This payment method has advantages - no one sees the Visa number and requisites, no need to give it to the cashier or waiter. If the operation is less than 1000 rubles. PIN code is optional. Additional information about contactless payments can be found on the website.

Security of Sberbank cards Visa

The security code is on every plastic card, in Visa Classic from Sberbank it is on the back next to the signature strip. The code consists of three digits, it cannot be changed, the number is assigned even before it reaches the owner. Upon receipt, the client is warned not to provide the security code and expiration date (this applies to online purchases). In case of loss or theft, you should immediately call the support service and block the card.

Video

/ p>