Important: at the moment, the bank does NOT issue this type of card, the product is discontinued.

Instant issuance cards are popular among Russians. Today, the issuance of primary cards of Sberbank Momentum R has been suspended, but the bank offers other non-registered analogues. Let us consider in detail the features of instant issuance cards.

The popularity of primary plastics is determined by their advantages: free service, quick processing, ready-made offers (for credit cards) for bank customers. Often, these factors are decisive when a client urgently needs to open a card account, for which there is no desire to spend extra money.

Until recently, there were two offers for the Momentum R card at Sberbank: Visa Electron and Maestro. The conditions and procedure for issuing products are the same. The only difference is in the payment system. The latter also offer a number of opportunities for their customers: discounts, promotions, special offers that any holder has the right to take advantage of.

The absence of fees and the speed of issuance are the main reasons for the popularity of instant cards

The process of issuing cards takes place only in the department, taking into account the following principles:

1. Having only a passport.
2. The conclusion of the UDBO agreement, which unites all the client's accounts and provides more opportunities for their control and performance of certain operations.
3. Payments, commissions are not charged.
4. The card is issued immediately after signing the contract (maximum procedure takes 30 minutes).
5. There is no online application process.

Features of unnamed cards

The Sberbank Momentum R Maestro and Visa Electron credit card also provides for the speed of issuance. The client can count on a limit of up to 120 thousand rubles and an interest-free repayment period of 50 days. If you do not invest within this period, the interest rate will be 25.9%.

For approval, you will not need to confirm income, but you should enlist documentary evidence of your employment and a certain level of experience (one year for the previous 5 years). It is also necessary to be registered in this region.

Requirements for the client to issue a card

You should know that it is much easier to get a Momentum credit card at Sberbank if the client meets one of these conditions:

• Availability of a salary card.
• Transfer of pension to an account in Sberbank (card).
• The presence of a deposit in this banking institution.
• Existing debit account or credit.

If a citizen is already a bank client in any direction, he is usually made an individual offer regarding plastic. To find out if such an offer has been developed, you can use an ATM. Performing any action (cash withdrawal, transfer, payment, balance check), the client will be provided with information about unique banking offers. You can also call the Contact Center or ask an employee at the office.

Key Features of the Instant Card

The difference is the appearance of the card: the name of the owner is not indicated on it. There is also no CVV or CVC code. The remaining mandatory elements are displayed on it: number, expiration date, bank logo, type of payment system, security chip.

In addition to external differences, there are several restrictions for Momentum R. It is not always possible to pay for purchases on the Internet with a Sberbank card. It depends directly on the site or online store. Companies rarely provide an opportunity to pay with non-named cards due to their lower degree of security. Also, the card will be practically useless abroad.

Several additional functions are provided for card products

But in addition to the listed shortcomings, plastic meets the basic conditions of international-type plastics:

• Possibility of cash withdrawal: through the operating cash desk in the branch or ATM.
• Pay for goods in retail stores.
• Pay for services or products through an ATM, Internet services.
• Make a transfer at the bank office or independently through remote resources (Internet or mobile banking).
• The ability to connect mobile and Internet banking to control your accounts, online transfers, use services and apply for certain products.

Additional features of Momentum cards

In order to find out the balance using Momentum R (Sberbank card), the client has several options:

1. ATM: select the appropriate section.
2. Online Sberbank: in your menu you can see all cards and accounts indicating the balance of funds and the main parameters of the account.
3. Mobile bank: send SMS with the numbers 01 or with the word BALANCE (RESIDUE, OSTATOK, BALANS or BALANCE) and after a space 4 the last digits from the card number. Accepts command number 900.
4. Call the Contact Center of the bank. Press 2 to get acquainted with the conditions of remote control (including to clarify the balance) or 0 to talk with an employee who can find out the balance from his details.
5. At the branch by card number.

Terms of the card product

It is possible to set up Autopayment for paying utility bills online, for your loans in other institutions, topping up your own or someone else's mobile phone, etc. The service is convenient for systematic payments and operates automatically. The bank itself clarifies with the companies the debt of the client and offers to make payment. Money is transferred to the phone when the balance reaches the minimum amount set by the client. You can make settings and disable them through any remote services, by phone or in a branch.

Card production time

In Moscow, St. Petersburg, Novosibirsk, Yekaterinburg, Nizhny Novgorod and other large cities, the card will be ready in 2-3 business days, in the regions, production and delivery will take from 3 to 10 business days. Delivery to remote locations may take up to 15 business days. Exact dates are available.

When issuing a card, only working days are taken into account. If you order it on Friday evening, then the production time will be considered from Monday.

You can see if the card is ready and when it will be delivered to the office in Sberbank Online in the "Cards" section.

What documents are required to obtain a card?

To pick up the card, please bring your passport or other document that was used to apply for the card. To get a card for another person, you need a notarized power of attorney.

How to start receiving THANK YOU bonuses?

After receiving the card, you must register in the Thank You from Sberbank program. The easiest way to register is to send an SMS to number 900 with the text THANK YOU 1234, where 1234 is the last four digits of the card number.
You can also register in the program in your Sberbank Online personal account and at a Sberbank ATM - find the "Thank you from Sberbank" section and follow the prompts.

Bonuses are credited automatically when paying by card - their number depends on the privilege level.

It should be remembered that bonuses are accrued only when paying for goods and services. This does not happen when withdrawing cash from ATMs. But when paying for purchases remotely in online stores, bonus points are credited to the account Thank you.

How can I use THANKS bonuses?

THANK YOU bonuses can be exchanged for discounts when purchasing goods and services from Partners, a full list of partners is available. In addition, SPASIBO bonuses can be exchanged for a discount when buying air tickets and hotel accommodation (on the Thank you from Sberbank. Travel website). Also, bonuses can be exchanged for discounts when buying tickets for events - the service is available on the site "Thank you from Sberbank, Impressions".

How can I find out my card details?

To find out the details, in the Sberbank Online mobile application, find the required card and click "Show details".

Another way: in your Sberbank Online personal account, go to the "Cards" section and find the card you need, then "Card information" → "Details of transfer to the card account."

Is it safe to use a contactless card?

Yes, the card is safe. It is always in the hands of the owner, so its data remains inaccessible to scammers. Making purchases without presenting a card and entering a PIN code is much safer, since no one sees the card details. In addition, contactless technology protects against double charges - after paying for the purchase, the terminal beeps and turns off automatically.

It is impossible not to pay attention when studying Sberbank card products that the Momentum debit card receives very flattering reviews due to free service and speed of registration. But, before making a choice, it is worth learning about its features and disadvantages.

The main conditions for the release and circulation of instant plastic

Plastic in its main characteristics is very similar to traditional products. It has slightly fewer features that not every client needs. For example, if you do not plan to use the card abroad or make online purchases, then Momentum will be a more profitable option.

Due to the free service and instant issuance, the card is especially popular.

Product differences that may be disadvantages are as follows:

1. The product is valid for 3 years. Once completed, it cannot be extended. The account needs to be closed, but if desired, a card of a similar format can be issued again.
2. In case of loss, theft of plastic, it must be blocked. But it is not possible to reissue a new product to an existing account. It will need to be closed (money will be issued from it at the bank's cash desk).
3. (even if it is lost) is impossible.
4. Online stores and trading platforms rarely allow you to pay with primary-level cards (these include Visa Momentum Sberbank debit), because they have a low degree of protection compared to others.
5. When used abroad, some operations are not available. Some simple functions (withdrawal of funds) cannot be performed even in subsidiaries of the bank.

Also, the product cannot be issued as a salary. Of course, the shortcomings are very significant, but for a number of consumers they are not such in view of the lack of demand.

Features of the Sberbank Visa Momentum card and how to get it

Plastic has a wide range of possibilities. They are almost identical to the main classic cards:

• Top up in different ways: deposit through the cash desk of a bank that accepts banknotes, transfer from another card (your own, on behalf of someone else, from a product holder of another bank).
• Withdraw cash: receive at the operating cash desk of the institution, through an ATM.
• Transfer: to your card, to the card of another holder or other institution.
• Pay for: products, bills, services. By details, plastic number, online.
• Connect automatic transfers to systematic types of payments (telephone, housing and communal services, loans in other institutions).
• Connect services for remote control and for a number of procedures (Personal Account, Mobile Banking).

Parameters of the card product and conditions for its issuance

The process of issuing a card

The issuance of the card is very fast and, unlike all other products, in the presence of the client. The whole procedure can take no more than half an hour. It looks like this:

• Visit the branch, contact a free operator. Since the product is specific, there is no online procedure for obtaining it.
• Report your needs, listen to information about the card product: opportunities, limits, restrictions.
• Fill out the form, sign the contract. Data is entered according to the passport. Its presence is mandatory, but no other documents are required.
• The employee issues the card. All information about it and the pin code are contained in a sealed envelope.

Plastic has a standard appearance, the difference is the lack of a name on the front side. The rest of the information is posted in the appropriate places:

1. card number;
2. day, month, year of issue;
3. security chip.

A prerequisite for opening an account today is the signing of an UDBO agreement. It gives a few more options for managing the card. UDBO unites all card accounts, making it possible to perform transactions between them and see a more complete picture of your savings and expenses.

Existing limits and restrictions on transactions

When registering a product, it is worth knowing about a few more restrictions that Sberbank has set for Momentum (debit) - withdrawal, spending and replenishment limits.

The Sberbank Momentum card has several additional features

For withdrawals at ATMs and cash desks of the bank, the following restrictions are provided:

1. For the day: 50 thousand rubles;
2. For a month: 100 thousand rubles.

A commission fee is provided. If you need to receive more funds at the cash desk than provided for the day, you will need to pay a commission - 0.5%. If you conduct a transaction at a bank or ATM that belongs to another territorial branch of the banka, the commission will be 0.75%. The same commission is provided for exceeding the daily limit when withdrawing money.

It will not be superfluous to know that in other banks and ATMs such an action will not work. This also applies to subsidiaries of the banking institution itself, which are located in Ukraine, Kazakhstan and Belarus. If the account is opened in a currency, the limit is the same amount, but in the equivalent. Accordingly: 1200 euros or 1600 dollars.

One of the few free Momentum cards from Sberbank on our market, the pros and cons of which we will analyze today, is very popular with customers. It has all the same features as regular cards, but there is no charge for it. Why? What's the catch with this instant release plastic?

Debit Terms

• Free registration and receipt in 10 minutes;
• Participation in the bonus program "Thank you";
• Free service;
• The validity period is 3 years.

Credit terms

• Free registration and maintenance;
• Grace period duration 50 days;
• The maximum possible credit limit is 600 thousand rubles;
• Loan rate - from 23.9% in year.

A feature of Momentum is that, unlike other cards. You just come to the department and on the same day instantly leave with a card instead of waiting 2-3 weeks. Sberbank ties it only to a phone number, which is also quite reliable. Momentum is issued in two types - debit or credit. The payment system can be Visa or Mastercard. The main conditions for using the card are described below.

Participation of the Momentum instant card in the Thank You bonus program allows you to return part of the money spent (minimum 0.5% of the costs). It is also possible to manage via instant Sberbank Online, use a mobile application on a smartphone or self-service terminals, send SMS commands. Contactless payment is not available, but it is possible to pay with your phone using the Apple Pay, Android Pay, and Samsung Pay apps.

Additional features include participation in the Visa and Master Card promotions, the ability to set up auto payments, for example, to pay utility bills or replenish a mobile phone. Online operation security is protected by 3D-secure technology. It is possible to link e-currency wallets, such as WebMoney and Yandex.Money, to Momentum.

All the advantages of the card

All the benefits of Momentum include:

1. The main plus is. No more than 15 minutes will pass from the moment of reception by the manager to the issuance.
2. Fully free issuance and maintenance Sberbank.
3. In the credit option, in the plus, one can note a fairly moderate interest rate and the duration of the grace period during which the bank does not charge interest (in comparison with similar products).
4. Participation in the Thank You bonus program from Sberbank and in promotions from Visa and Master Card.
5. The advantage is full access to all possible management methods - Sberbank Online, mobile application, SMS banking.
6. Transfers and financial transactions without charging additional fees.

List of cons Momentum

The list of cons of an instant card includes:

1. It is not possible to transfer salary to Momentum from Sberbank. Many consider this a serious disadvantage, since the annual maintenance of a salary card is quite expensive.
2. Refusal of some organizations to accept or transfer payments to an "impersonal" card.
3. Minus lack of binding to a specific owner is also manifested in a decrease in the security of making payments.
4. After the expiration date, or due to the loss / theft of the card, it will not be possible to restore it. You need to contact the Sberbank branch and re-register (having previously blocked the old one if it was stolen).
5. The disadvantages include the presence of a cash withdrawal limit - no more than 50 thousand rubles per day.
6. Branches may not have Momentum cards or specialists able to issue them.

How to get an instant Sberbank card

Requirements for a client to apply for Momentum at Sberbank are minimal (which can also be added as a plus). A person must be a citizen of the Russian Federation, have a permanent or temporary registration on the territory of Russia, and his age must be from 21 to 65 years inclusive. To get more favorable conditions on a credit card, you need to use bank products - other cards, have a deposit or take out a consumer loan.

To receive an instant card, contact the nearest branch of Sberbank. You must have your passport with you. Next, sign all the necessary documents and get Momentum in your hands. The whole procedure will not take more than 15 minutes. To obtain a loan option, you can also fill out an application on the official website of the bank. The downside is the need to come to the branches to get an instant card. But the advantage is that you can skip the line and just pick it up.

After receiving, do not forget to activate the card and link it to your phone number. You can also do this through the manager. Also be sure to connect the bonus program "Thank you" - it is very profitable and interesting. Among the paid services that you need to know about, you can highlight insurance, SMS informing about the status of the account (60 rubles per month) and an extract from an ATM about the operations performed (15 rubles).

The main advantage of an instant card from Sberbank is the speed of registration and free issue and maintenance. Few people offer this in the domestic financial market. But the disadvantages of Momentum stem from these advantages. The card is less secure than similar products and has limited usage. If this does not scare you, feel free to draw up and use it.

The Momentum card is universal and is characterized by the presence of free annual service for account holders with Sberbank of the Russian Federation. You can issue a card in 15-20 minutes, it has a credit limit of up to 150 thousand rubles.

The Momentum card is universal and is characterized by free annual service for Sberbank account holders. You can issue a card in 15-20 minutes, it has a credit limit of up to 150 thousand rubles, the loan rate is 25.9% per annum. Visa and MasterCard Momentum holders of Sberbank of Russia can use the optimal range of services and count on the right amount of money anytime and anywhere. You can get a card on the day of contacting the bank, and you do not need to have anything with you except your passport. The Momentum card is the ideal solution for successful business people who want to keep up with the times.

How to get a Sberbank Momentum bank card

Getting a Sberbank Momentum bank card will not take much time, you no longer need to wait 2 weeks. If approved by the bank, you will receive the card on the same day. The following requirements are put forward for Sberbank clients: obligatory citizenship of the Russian Federation, age from 21 to 65 years inclusive. An applicant for a card must be permanently registered in Russia, in the region where he expects to receive a card. A positive decision in favor of the client is made if his total work experience is not less than a year, and for the last 6 months he must continuously work in one place.

How to activate the card

After receiving a Sberbank Momentum card, you can start using it immediately. No separate activation is required. All that the cardholder needs is to put on her money, after which you can pay for services and buy goods by bank transfer. Immediately after receiving the card, ask the ATM for the balance, print out the check - the balance will be zero. At a Sberbank ATM, you can change the password automatically assigned to your card to the one that is most convenient for you. It's easy and doesn't take more than five minutes.

How to use a Sberbank Momentum card

Using the Sberbank Momentum card is very simple. This process is no different from using other cards of similar banks. When making purchases, pay by card or, if necessary, withdraw cash from it. The available limit after each purchase will decrease exactly by the amount that is written in the check. Repay the debt with any amount not less than the monthly limit set by the bank. After topping up the card, the limit will increase and will be ready for use again if necessary.

How to top up the card

You can replenish the Sberbank Momentum card account in any way convenient for its holder. This process is not much different from other banks. You can make a cashless transfer of funds from a card account opened with another bank. It is possible to transfer funds from card to card (if both cards are issued in Sberbank of the Russian Federation). Transfers are also made from a regular Sberbank account. You can deposit funds on the card through a payment terminal or replenish the balance in cash at an ATM. As you can see, there are many options - choose the one that suits you the most.

Sberbank Momentum card conditions

It is worth saying that Sberbank issues an instant Momentum card on very favorable terms. This card can compete with any personalized counterparts. The most important conditions: 100% free card issue and the first year of service - this allows the owner to save a lot. You can set a certain credit limit, depending on the income level of the cardholder. There is an interest-free period within which you can use the bank's money without interest - depending on the amount under the limit, this period is up to 50 days. The Sberbank Momentum card has a fixed interest rate of 18.9%.

Withdrawal limit

Depending on the income of the cardholder, the bank sets its own withdrawal limit for it, which can vary from several tens to several hundred thousand rubles. Here everything is individual and the decision is made by the bank. To receive a card with a credit limit for taking baths, you must fill out a questionnaire, indicate your age (at least 21 years old and not older than 65 years old), permanent citizenship in the Russian Federation and residence in the region in which you order the card. Everything is simple!

Validity

The validity period of the Sberbank Momentum card is indicated on the front side of the card. From the date of issue, it is valid for 12 months, after which it is subject to mandatory replacement. To change this unnamed instant issue card to a new analogue, you do not need to fill out the questionnaire again and wait. As a rule, two weeks before the end of the term of use, you will receive an SMS from the Sberbank operator with a request to come to the bank and receive a new card that has already been issued to replace the old one. Usually, by the time a client arrives, his new card has already been stored at a bank branch for at least a week.

Credit card Sberbank Momentum

By ordering and receiving a Momentum credit card, you can count on the Thank You from Sberbank bonus program, as well as discounts and special offers from two international payment systems: Visa and MasterCard. Thanks to the remote services "Mobile Bank" and "Sberbank Online" you will always be aware of the operations that are performed on the card, you can always get a report for the required period and see the balance of funds. Holders of this card can set up the "Autopayment" function and use it to pay for housing and communal services, the Internet, television, cellular communications and other services. You can replenish the card either in cash through a terminal or a bank teller, or non-cash by linking it to WebMoney or Yandex.Money electronic wallets.

Check card balance

To get up-to-date information about all transactions made over a certain period of time, to find out the amount of the balance on the Sberbank Momentum card, you need to choose one of the most convenient ways: receive a monthly report on the card from Sberbank to your e-mail. You can activate the "Mobile Bank" service and receive SMS notifications on your phone. Contact the contact center of Sberbank of the Russian Federation and find out there. Finally, you can independently register in the Sberbank Online Internet bank and generate reports at your discretion. In this case, you can select and group periods, view transactions made on the card, per day, week, month.

Card reissue

Having ordered and received a Sberbank Momentum card once, you do not need to worry about its validity period and further reissue. All this will be done for you. After the expiration of the card validity period, you will receive a notification to your e-mail, mail or phone about the need to come to the regional branch of the bank (the one where you originally issued the card) and pick up the already reissued analogue, the validity of which will also be 12 months. Funds remaining on the account of the old card are automatically transferred to the new one.

How to close the card

The card itself does not need to be closed. The main thing is that there are no loan debts left on it. If, after the expiration of the validity period of the card, you consider its content inappropriate, you just need to come to the branch of Sberbank in which you opened the account and close it by returning the card to the operator, having previously withdrawn all remaining funds from it. That's all.