How to get a Maestro Momentum card from Sberbank. Description of the Sberbank Momentum card - pros and cons

Credit cards are becoming increasingly popular in our country. And this is not surprising - getting a credit card is much easier than getting a consumer loan. The conditions for such cards are also often more favorable than for loans. In particular, most plastic products have a grace period.

Typically, credit institutions offer cards with a maximum loan amount of 50-100 thousand rubles. It's not that much. However, even the presence of such amounts allows the borrower to immediately resolve a number of vital issues. When choosing where to order such a card, it is important to consider several options and choose the organization that offers the most favorable conditions for issuing and repaying a loan. In our article we will talk about the Momentum credit card from Sberbank.

Description and requirements for the borrower

Visa Credit Momentum is one of the main products from the financial institution Sberbank. A plastic card is used to instantly issue money at interest to its holder. The main feature of plastic is its ease of use - from the registration procedure to the plastic invoice.

An application for a Sberbank Momentum credit card is submitted both at the Sberbank office and through the website. You can become a card owner within 10 minutes after submitting your application. However, the right to use this product is granted exclusively to existing Sberbank clients and only if they have a personal pre-approved offer.

How to get such an offer from Sberbank? Everything here is somewhat more complicated than it seems at first glance. In order for a loan on a Momentum card to be guaranteed to be approved by representatives of a financial institution, you need to meet a number of parameters. In particular:

• Be a client of Sberbank;
• The borrower's age must not be less than 21 years and must not exceed 65 years;
• An applicant for a card must be employed and work in his current place for at least six months. This information must be confirmed by a certificate from the place of work.

Finally, to receive a card, it is important to be an active Sberbank client. This characteristic implies that the user carries out at least one of the following operations in a credit institution:

• Regularly uses it to deposit wages.
• Performs settlement transactions using a debit card.
• Is the owner of one or more deposits in the bank.
• Repays previously issued loans in a timely and conscientious manner.

For a more specific answer to the question of how to receive a personal offer from Sberbank to open a Momentum account, you should contact the manager or visit the official website of the banking organization.

Often, to clients who service their card accounts at Sberbank, managers, for their part, are already actively offering this credit product.

Registration and documents

In most cases, the Credit Momentum card, the conditions of which are quite attractive for many, can be issued by the holder of a debit card if, when conducting an operation through an ATM, an inscription appears on the screen stating that the Sberbank Credit Momentum credit card has been approved for issuance (such the same notification can be received in your Sberbank Online personal account).

Also in the information window you can immediately see the size of your individual limit that will be available on the card. The maximum loan limit for instant is 120,000 rubles.

Those who agree to accept this offer should print out the check and present it to one of the bank's tellers. It is important to have with you:

• identification document (passport);
• certificate from the place of work.

As a rule, the latter is rarely required, but still it will not be superfluous. The document must indicate how long you have been working at this enterprise. To approve and conclude an agreement, the borrower must be registered with the company for at least six months.

To get a credit card, you don’t have to stand in long lines, fill out long contracts, or waste your precious time. Sberbank tries to speed up all processes, and therefore promises its clients to issue a Momentum credit card in just 10 minutes.

It is important to understand that Visa Credit and Sberbank Maestro Momentum card are not personalized. That is, the holder’s first and last name will not be indicated on the front side of the plastic.

Templates for Sberbank instant issuance cards are prepared in advance, and then they are offered to clients as a separate, unnamed product.

Product Terms of Use

For the lucky recipient of a card with a borrowing limit, it is important to remember several nuances. The first of them is as follows: the Sberbank Credit Momentum credit card, as well as the Maestro Momentum card, will become active only the next day after the conclusion of the agreement. But as soon as the instant card is activated, you receive a credit card with very favorable terms of use.

Firstly, the product is distinguished by fairly low loan interest rates compared to other banks - only 25.9% per annum. Secondly, the holder has as much as 50 days of a grace period for lending.

Grace period for the card.

The most pleasant bonus is that the Sberbank Momentum credit card, like the Sberbank MasterCard credit card, does not require an annual fee. That is, the bank fully bears all costs for these types of credit cards.

In addition, all those who agree to purchase the Momentum product automatically receive the following benefits:

• High degree of protection due to the presence of a chip on the card.
• The ability to use a credit card anywhere in the world.
• Accumulation of “Thank you” bonus points that can be spent when making purchases.
• The ability to connect services to perform card transactions using a PC and smartphone.
• Free SMS notifications about all ongoing operations.

One way or another, even if you still have questions, after concluding the agreement you will definitely receive detailed individual advice from the bank on how to use the Momentum credit card.

Features of a credit card

Before contacting a bank with the firm intention of applying for a Momentum credit card, you should familiarize yourself with a small list of card features. These are the conditions that the average client rarely pays attention to, but in the future they can play a cruel joke. For example, when trying to withdraw money from an ATM of a third-party financial institution.

So, please note that the Momentum Visa and the Maestro Momentum Card:

1. Designed exclusively for non-cash payments, but not for withdrawing cash from an ATM. Otherwise, the holder loses the grace period for returning the loan funds.
2. To withdraw money from a Sberbank ATM you will have to pay a commission of 3%. And when withdrawing money from a third-party bank terminal - all 4%. However, it is also worth considering the fact that the minimum commission at any ATM in the country is 390 rubles.
3. To repay the loan debt, the client is required to regularly make a mandatory minimum payment. Every month the borrower must pay 5%, but not less than 100 rubles of the loan amount.
4. The validity period of an unnamed instant card is set by the bank and may be shorter than the validity period of a personal credit card.

Terms of debt repayment

The Momentum loan, whose repayment terms are relatively loyal, obliges the borrower to follow several rules. The first and most important of them: mandatory repayment of the debt to the bank. The second is strict adherence to the deadlines established by the contract.

In this case, the client has the right to choose: whether he will repay the loan amount in small amounts every day, or repay the debt in full before the grace period expires.

It is also worth noting that debt can be paid either in cash or by wire transfers from any other plastic cards. In the first case, however, you will have to visit a bank branch, and in the second, you will have to deposit money into your credit account using a payment terminal.

Is it worth using an instant card?

There is no clear answer to the question of whether the Sberbank Momentum credit card is worth using regularly. Definitely, a credit card has many advantages. Only by weighing all the pros and cons can you understand how useful and profitable the Sberbank Momentum credit card will be for you personally.

As it turned out, getting a loan on a Maestro card is quite easy; you just need to have preliminary approval from the bank. Plastic allows the holder to:

• use borrowed funds for personal purposes;
• if necessary, transfer money online to another account;
• pay for purchases in Russia and abroad;
• withdraw cash;
• accumulate points using a special “Thank you” bonus program.

Having familiarized yourself with all the conditions, advantages and disadvantages of the product in more detail, you can be convinced that applying for a Sberbank Momentum credit card is a completely appropriate solution.

Momentum is an entry-level Sberbank debit card. It has the necessary range of capabilities of a card product, but also has a number of limitations. Let's consider the issuance rules and conditions for this card.

Functions and features of an instant card

Available operations

Having such a card, clients can perform basic banking procedures:

• Receiving translations, incl. from your other cards;
• Making payments online or at points of sale;
• Sending transfers to cards of any level issued by different institutions;
• Payment to institutions according to details;
• Cash withdrawal.

Internet banking

For the convenience of clients, remote control connections are possible to the card: Mobile and Internet banking. With their help, you can perform the procedures described above (except for cash withdrawals), check your balance, control expense transactions, and set up templates for frequent payments.

bonus program

The Sberbank Momentum debit card in its terms of use contains the ability to connect to the bonus program. When activated, the client receives points for payments at points of sale and online stores of partners. They can replace part of the money when paying at the same points. That is, in fact, the client receives a discount in the amount of points written off. They are called "Thank you from Sberbank".

Advantages of the Momentum card

To get a complete picture of the benefits of the Sberbank Momentum debit card, it’s worth studying reviews from holders.

Receipt speed

There is no need to wait several days for plastic to be produced. It is always present at the branch and is issued immediately after signing the contract.

The Sberbank Momentum debit card involves the use of the bank’s online services. You should remember safety when working with them

All you need is a passport to get it

Free service. Any cards require payment for using the product’s capabilities and performing banking transactions, but you do not need to pay for instant cards.

Signing a service agreement (UDBO) is mandatory

This entitles you to an expanded range of options when managing your account online. In particular, the client sees all the cards, accounts, loans, and Sberbank deposits issued by him, and has the opportunity to transfer resources between them independently.

Limitations of the simplest Sberbank product

But, as we have already noted, the Momentum debit card from Sberbank has conditions and restrictions, which many call disadvantages. These include:

• Additional cards are not issued for this account.
• If lost, reissue will not be made. In this case, you need to issue a new plastic card, with a different number, and block the old one.
• Some online stores do not accept payments from non-personal cards in order to increase the level of security.
• It is impossible to withdraw cash from ATMs or cash desks of other organizations using Visa Electron and Maestro cards.
• It is prohibited to issue an unnamed free card as a salary card.
• Maestro and Visa Electron cards do not allow for use abroad.

Tariffs and limits Momentum

The Sberbank Momentum debit card has a limit on cash withdrawals and some other procedures.

Card limit

• Per day: 50 thousand rubles;
• Per month: 100 thousand rubles;
• Payment per day: 100 thousand rubles;
• Acceptance to the account: 10 million rubles.

Transaction fees

Tariffs and commissions, in general, practically do not differ from those established by the bank for any cards:

• Receiving money at a Sberbank branch or ATM: free;
• If the daily limit is exceeded: 0.5%;
• When received through a Sberbank branch belonging to another territorial body: 0.75%;
• Receipt at another organization (ATM): 1%;
• Acceptance of funds to the account: free of charge;
• Sending money through another territorial division of Sberbank: 1.25%;
• Cashless transactions at retail points of sale: free.

Procedure for receiving a card

The procedure for getting a Sberbank Momentum debit card is quite simple. It does not imply special requirements for customers, which means the product is available to almost every citizen. In addition to having a passport, permanent registration in the country is considered mandatory, but in individual cases, temporary registration is sufficient. The age limit is as flexible as possible - from 14 years.

When contacting the branch at your place of residence, you must inform the employee of your desire to receive an instant-issue card. You will need to present your passport and sign a UDBO agreement. After which plastic is issued. The whole procedure takes about 10 minutes, which is very valuable if you need to get a simple bank card for urgent transactions.

Limits on foreign currency accounts

The Sberbank Momentum debit card, which we discussed above, can be issued not only to an account in national currency, but also in foreign currency: dollars, euros. At the same time, all tariffs and commissions are similar, and the limits are:

• Receiving banknotes through an ATM, per day: 1.6 thousand dollars (1.2 thousand euros);
• Per month: 3 thousand dollars (2.5 thousand euros);
• Cashless payment per day: 3.5 thousand dollars (2.5 thousand euros)

The card is issued for three years, after which it is permissible to order its reissue.

conclusions

So, we looked at what it is, the Sberbank Momentum debit card, and identified its main advantages: receipt at the branch in 10 minutes and free service. Since the card allows you to perform a basic set of banking operations, incl. remotely (payment, transfer), it is in constant demand among users. Some restrictions when withdrawing, when paying on the Internet or abroad, are considered by many to be not so significant, especially if there is no special need for them or if another banking product is used for these purposes.

Sberbank is rightfully considered the leader of the Russian market, and this is no coincidence. The country's largest financial institution offers its clients a wide range of services - from the ability to open an account for an organization or individual to online brokerage services. The bank issues a large number of different types of payment instruments.

The Momentum debit card provides beneficial benefits for private clients. It’s very easy to get a card: it’s a non-branded entry-level card. The product is quick to process and performs all the basic functions of a debit card. At the same time, the proposal has a number of restrictions. Which ones? Let's look at it in the article.

Benefits of the Momentum card

The Momentum debit card from Sberbank has a number of undeniable advantages. The main ones are simplicity and speed of registration. Bank employees will issue the plastic card to the client immediately after signing the agreement. To issue a card, you only need to present your passport, and the whole procedure will take no more than half an hour.

In addition, you will not have to pay for issuing a means of payment of this type. Annual maintenance will not be deducted from the client either. You can issue a debit card not only in rubles, but also in foreign currency - dollars or euros. At the same time, it will retain all its advantages, and the terms of use will remain unchanged.

There are two types of Momentum card: Visa, MasterCard. The product implements all the basic functions of payment systems.

Using the card you can carry out all basic banking operations:

1. Transfer money to other cards of Sberbank and other banks.
2. Making payments via the Internet or ATM.
3. Payment for services according to company details.
4. Cashless payments at retail outlets.
5. Cash withdrawals from ATMs and bank branches.

The Momentum debit card from Sberbank allows you to control all transactions performed remotely: through your personal account on the website or using Mobile Banking. Using this type of payment instrument, you can carry out any transaction.

The most popular operations among Momentum holders today are:

1. Payment for housing and communal services.
2. Payment for mobile communications and Internet service providers.
3. Shopping online.

All of the above types of payments can be easily made with the Momentum card via the Internet. The main thing is that there are sufficient funds in the account. The capabilities of the Sberbank Online system also provide for the creation of special templates for making regular payments to the details of the same recipient. This function is also available to Momentum card holders and significantly simplifies the procedure for transferring funds.

The card use agreement also provides for the possibility of connecting the account to the “Thank You” bonus program. In this case, when making cashless payments in stores, the bonus program participant is awarded special points. The bonus size can range from 1% to 30% of the amount of each purchase.

In the case when a product is purchased from program partners, the accrued amount of bonus points can reach up to 20% of the purchase price. You can spend your accumulated points in stores that support the “Thank you” program from Sberbank. Moreover, you can pay up to 99% of the cost of goods with bonuses. As you can see, the offer is more than attractive.

Disadvantages of the card

The non-named Sberbank Momentum card is a basic banking product and has incomplete functionality. This means that there are a number of restrictions in its use. Let's list them:

1. You cannot receive wages on such a card.
2. Opening a Momentum debit account does not require linking multiple cards. In this case, the principle applies: one account - one card.
3. Some popular online trading platforms do not accept payments from non-personal cards. This is justified by the fact that such plastic has a lower degree of protection compared to other means of payment.
4. Once the card expires (3 years), it will not be possible to renew it. The holder will have to close the account and, if desired, issue plastic in this format again.
5. If the card is lost, it will not be reissued. You will have to block the card and close the account. The remaining funds will have to be collected in cash at the Sberbank cash desk. If necessary, of course, you can create a new Momentum card. The terms and conditions will remain the same, but the account number will not be retained.
6. Relatively small limit on monthly and daily transactions. So, for example, you can withdraw no more than 50,000 rubles per day from an ATM.
7. Inability to cash out funds in Sberbank subsidiaries located abroad.
8. Carrying out some operations becomes impossible outside of Russia.

As you can see, the Momentum card has many limitations, but if they are not significant for the consumer, then this banking product can turn out to be a convenient and effective means of payment.

Conditions and tariffs for the card

Like any banking product, Momentum has its own terms of use and tariffs for certain operations. During the day, the owner of such plastic card can cash out no more than 50,000 rubles. The monthly limit is set at 100,000 rubles. By bank transfer, you can carry out transactions in an amount not exceeding 100,000 rubles per day. You can credit your card account with up to 10 million rubles per day.

Commissions for issuing funds for Momentum holders are as follows:

1. You can cash out the required amount without commission at a Sberbank ATM. But provided that the funds withdrawn do not exceed the established maximum. For exceeding the limit, a commission in the amount of 0.5% of the issue amount will be charged.
2. For carrying out a transaction in another territorial bank or in a subsidiary credit institution, a commission in the amount of 0.75% of the amount will be charged.
3. For cashing out at a third-party bank, you will have to pay 1% of the withdrawn amount, but not less than 150 rubles.
4. Transferring money between Sberbank cards is carried out without commission, provided that the means of payment belong to the same territorial bank. Otherwise, a 1% commission fee will be charged.
5. Topping up your card account, as well as all other non-cash transactions, are carried out without charging commission interest.

When opening an account in dollars or euros, the terms of use and fees will remain the same as for a ruble account. All fees and interest will be calculated in accordance with the current exchange rate.

Some additional information services for Momentum holders may also be paid. For example, you will have to pay 15 rubles to receive a statement about the movement of funds in your account through an ATM. In this case, the information provided will concern only the last ten transactions.

If the client needs a full report, the bank branch will provide it free of charge. If you can’t come to the bank in person, you will have to pay 150 rubles to send the document by mail. For your information, these same statements can be obtained free of charge through online services: Sberbank Online or Mobile Bank.

SMS notifications will be free only for the first two months. Next, they will start charging a fee for the service - at least 30 rubles per month.

Conditions for issuing the card

For those who still do not understand how to get Sberbank Momentum, we will answer that it is quite simple to do. Minimum requirements for the applicant:

1. Age from 14 years.
2. Having citizenship of the Russian Federation.
3. Having a permanent residence permit.
4. In some cases, temporary registration will be sufficient.

To become a card holder, you need to come to the nearest bank branch and contact a specialist with a corresponding request. To register, you will have to present your passport. After filling out the application, the client is given a UDBO agreement to sign and is given a sealed envelope containing the plastic itself and a pin code attached to it.

For many payment instruments, Sberbank has developed a program for remote registration and receipt of payment instruments. Momentum cannot be obtained this way. There is no online ordering available for this product. The card will be issued only after the applicant personally contacts the bank branch.

By offering Momentum to its clients, Sberbank guarantees that the user will receive a modern and reliable means of payment. Despite a number of restrictions, the card allows you to easily and quickly pay for purchases, purchase various goods and services, withdraw cash, and, if necessary, even top up your balance.

Sberbank is explained by its free service and wide functionality. But before you apply for a card, you should know that it has its own fees and limits on cash withdrawals. We will get acquainted with them in this article.

Features of the Momentum card from Sberbank

The high speed of receipt is the main advantage of this card. At the same time, signing an agreement opens up the following opportunities: managing accounts and making transactions between them, analyzing the use of personal finances, etc. The following information will be placed on the front side of the Sberbank Momentum card: the bank and system logo, number, issue date, as well as an electronic chip for providing protection.

The following data is missing:

• Owner's full name;
• special code .

• non-cash payments for services and goods;
• automatic transfers for services: mobile communications, etc.;
• payment via the Internet in online stores;
• using remote services of Sberbank;
• account management using Mobile and Online banking;
• access to profitable promotions and offers from and;
• and their further use for payments for purchases.

• It is not allowed to issue an additional card of this format;
• payments on the Internet are limited;
• is not provided in case of change of personal data or loss of the card (only it and the opening of a new account are allowed);
• absent ;
• there are restrictions on transactions abroad even in Sberbank subsidiaries;
• not possible at ATMs of other financial institutions.

Commissions and current limits on the Momentum card

• within the daily limit at Sberbank cash desks: no commission;
• exceeding the daily limit at Sberbank cash desks: 0.5% of the amount exceeding the limit;
• another territorial bank within the daily limit: 0.75% of the amount;
• another territorial bank exceeding the daily limit: 0.75% of the amount exceeding the limit;

• Sberbank branch where the card account was opened: no commission;
• another regional bank: 0.75% of the amount;
• subsidiary banks: 0.75% of the amount;
• other banks: 1% of the amount, but not less than 150 rubles.

For foreign currency accounts there is a limit: USD 3,000 or
2,500 euros.

Topping up the card also has restrictions: 10 million rubles or the equivalent of this amount in foreign currency.

Methods for depositing money into your card account:

• from the account of another Sberbank card or another bank;
• in cash at the cash desk, indicating the card number or account details;
• using Sberbank Online or Mobile Bank;
• using terminals and ATMs with a cash acceptance function;
• using a mobile application;
• by sending ;
• using Visa Direct and .

• in the MasterCard Mobile smartphone application;
• on the website of a specific payment system;
• in self-service devices that support services.

In general, withdrawal limits from the Sberbank Momentum card do not limit most transfers, and the card itself allows you to comfortably use your funds.

It is now very difficult to imagine a person who does not have a payment or credit card, compared to what it was 10 years ago. Russians actively use the possibilities of non-cash payment for goods in retail and via the Internet, accumulate funds in their accounts, and make online payments for utilities.

For all this, a bank card is used - a universal payment instrument. Most of them come with paid annual maintenance, but there are exceptions to the rule. We will talk about such an exception - free Visa and MasterCard Momentum from Sberbank in this review.

What is it: review of banking products Visa and MasterCard

Momentum is a designation for the category of Sberbank cards for instant issuance, which can be used as the main payment instrument, or a temporary measure for accessing an account while a personal debit is made to the client.

Plastic in this category does not contain the owner's name, is more often used to pay for goods and services in retail chains, since not all sites allow payment from an unsecured card.

The main disadvantage of instant apps is the low degree of protection. from unauthorized access to the account. Therefore, they must be connected to the SMS notification service in order to be able to fully control expense transactions.

Visa Classic Momentum and MasterCard Standard Momentum belong to the entry-level bank cards.

The bank issues two types of instant cards: debit and credit. Account currencies are Russian ruble, euro and dollar. Opening such plastic will be convenient for those who are going to travel abroad in the next few days and do not want to take cash with them.

The currency conversion rate within the bank when making payments abroad is more profitable than using exchangers, and the ability to issue plastic within 10 minutes makes it more affordable compared to classic name cards.

NOTE! Issuing and servicing instant cards is free.

The pros and cons of a free debit card

Russians over 14 years of age can open a Momentum Sberbank card. The account can be either ruble (such cards are issued with the mark R in the name) or multicurrency (rubles, dollars, euros).

Momentum card annual maintenance and issue are free, but you will have to pay for connecting additional services according to Sberbank tariffs.

Entry-level debiting is suitable for accessing funds deposited in a bank account, depositing and withdrawing cash, and paying for goods at retail outlets and online. Abroad, you can also withdraw money from it with automatic conversion into national currency using ATMs.

Does not support contactless payment technology, cannot be registered as a salary.

You can also connect to the Momentum debit services “Autopayment”, “Mobile Bank”, “Sberbank Online”, and use bonuses from payment systems.

The instant card is valid for 3 years from the date of its release.

Advantages: can be used all over the world, registration from 14 years of age, no fees for use, bonuses from Visa and MasterCard, free cash withdrawals from Sberbank and subsidiary banks, replenishment from a mobile phone account.

Flaws: restrictions on payments abroad (if there is no electronic chip), no contactless payment.

On the pages of our website you can also find out how it differs from other bank cards!

Credit card and credit limit

Issued only if there is a personal offer from the bank for those who already use other products (pays by , keeps funds on deposit, etc.). The loan is provided only in rubles.

The limit is calculated by Sberbank individually for each client, and can range from 10,000 to 120,000 rubles. The advantage of such a credit card is that it is also issued instantly - by contacting the bank with a personal offer, you can pick up the plastic within 15 minutes.

Momentum credit cards provide:

With active and careful use of the Momentum credit card from Sberbank, the user can count on an increased spending limit and reduced interest.

Annual service for instant credit cards is also free.

The validity period of the Momentum card from Sberbank is standard three years from the date of issue.

Advantages: adequate interest rate, ability to use the card all over the world, grace period, protection of funds, does not require proof of income, no service fee.

Flaws: possibility of registration only on a personal offer, limitation on the credit limit, if the instant card is without a chip - making payments abroad is impossible.

Tariffs for use

Let's look at the table that shows the cost of using Sberbank's Momentum products.

Conditions of issue and required documents

For Momentum debits, the main requirements for signing a banking service agreement and issuing a card are:

• availability of a passport and permanent registration on the territory of the Russian Federation;
• age over 14 years.

To get a credit card, the list of requirements is a little more expanded. As already mentioned, it is mandatory to have a personal offer from the bank. You can find out about it when using the Sberbank Online system or when working with another card at an ATM.

You will see a button “Get a personal offer”, by clicking on which you can find out about the currently available credit limit. Print out the check and take it to the specified bank branch to pick up the card and sign a service agreement.

Credit cards are issued:

• persons from 25 to 65 years old;
• having a constant source of income;
• having a personal offer (being clients of Sberbank);
• permanently registered on the territory of the Russian Federation.

When applying, you need to have a receipt printed from an ATM indicating the availability of an offer from the bank and a passport.

How to apply and receive

However, this is not so inconvenient - there are branches in literally every block in all major cities.

ATTENTION! A situation may arise when non-registered cards in the selected branch have run out and therefore are temporarily not issued. Then you will have to contact another bank office.

For those who receive a credit card based on a personal offer, it is easier to navigate - the SMS notification or the receipt printed by the ATM will indicate the desired office where you need to go to sign the service agreement.

Momentum cards are not sent by mail.– the bank has completely abandoned this practice in order to prevent plastic from falling into the wrong hands.

To make a Momentum card and to conclude an agreement for a Momentum card from Sberbank You must have a passport with you. Immediately after signing, the card will be issued in an envelope along with a PIN code, and it can be used after activation.

Activation

It is carried out either directly upon receipt of the plastic, or at the initiative of the bank within 2-48 hours from the moment of its issuance. If you do not want to wait for automatic activation, you must use the ATM at the branch. At the first operation using the PIN code of a Sberbank plastic card, Momentum becomes active. In this moment You can immediately connect additional options: mobile banking, SMS alerts, after depositing funds into the account.

TIP: If you find it difficult to activate your debit on your own, seek help from a Sberbank consultant who will help you carry out this operation.

How to use

Immediately after activation, the card is ready for use. The limit set by the bank becomes available for credit cards.

If you do not plan to use borrowed funds in the near future, do not worry, since interest will accrue after the first expense transaction using borrowed money.

The Momentum card can be used:

• to withdraw cash from the account;
• to transfer money to other Sberbank clients through an ATM or payment terminal, as well as in your personal account;
• for non-cash payment for goods and services in retail stores;
• to pay for purchases on the Internet;
• for replenishing electronic wallets;
• to pay utility bills.

All operations performed in retail stores, operations for withdrawing and replenishing funds through terminals and ATMs are confirmed with a PIN code. Payment for goods and services, transfers from the “Personal Account”, is confirmed by SMS code.

It is necessary to store the plastic separately from the PIN code, and to prevent damage to the magnetic stripe (otherwise the card will no longer be read by devices and POS terminals).

If you lose your card, you must immediately call Sberbank, block the old card and order a reissue of Momentum.

Balance check

Finding out your account balance is very easy. You can use one of the available services:

• request your ATM balance on your receipt or on the screen (free);
• send an SMS to number 900 with the word Balance or “Balance” (if you have Mobile Bank connected);
• call the bank's hotline (toll-free number 900 from mobile phones) and check your account online;
• connect SMS alerts and receive reports on the status of your account after each spend (recommended);
• install the Sberbank Online mobile application for your smartphone or log into your personal account on the website.

The easiest way is to find out your balance via SMS. The answer will come within 10-60 seconds. If you are near a Sberbank ATM, simply insert the card into the device, enter the PIN, and select “Balance”. It can be displayed on the screen or printed on a receipt.

As you can see, there is nothing complicated.

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