What is the "Visa Electron" of Sberbank?

2024 Author: Howard Calhoun | [email protected]. Last modified: 2023-12-17 10:16

Card holders with the "Visa electron" payment system, issued by Sberbank, become owners of the opportunity to pay for purchases of goods by bank transfer in many countries of the world.

In addition, Sberbank's Visa Electron and other cards are participants in promotions held by the bank and its partners, and can also use special offers and receive additional discounts.

How to get a Visa Electron card?

In order to apply for a Sberbank Visa Electron card, you should contact the staff, present your passport and write an application. For registration, additional documents are not required that confirm the level of income and a permanent place of work.

The Visa Electron debit card can be provided by Sberbank as a main, additional or salary card. The main card is provided to any natural person whois a citizen of the Russian Federation at least 14 years old and registered in the territory where the bank serves. In addition, cards are also provided to non-residents, or to those who do not have a residence permit at all. In this case, you need to contact the head of the office personally.

An additional Sberbank card is issued to both residents and non-residents at least 14 years old, but only if the owner of the main card applies directly to the bank. In addition, a person who has reached the age of ten, who is a close relative of the owner of the main card, can also own such a card.

As for salary cards, they are provided only if an appropriate agreement is concluded between the bank and the employer. You can receive wages not only in rubles, but also in other currencies.

The cost of annual service for such cards is 300 rubles. Additional cards cost 150.

When opening a card, it is not necessary to make a down payment, but you should remember that when you receive it, there will already be a negative balance on it, as annual maintenance may be charged.

What are the benefits of the Sberbank Visa Electron card?

First of all, the advantages of using such a card is that it provides free services. For example, the next or early reissue. In addition, the suspension of the card is also completely free. Overdraft on cards is not provided, therefore, if it occurs, forty percent per annum is charged regardless of the currency used.

A small drawback is that for the provision of a statement and a request for a card account, even when making a transaction through an ATM, a small fee is charged. To find out what the spending limit on the card is, you also need to pay a certain amount.

Visa Electron card features

The Visa Electron card (Sberbank) is probably the most popular of all entry-level cards. It has a basic set of features, with the exception of a few of them, but you still need to take them into account. For example, when using a card abroad, some difficulties arise, since any operation carried out must be coordinated with the bank online. If the terminal does not have such a connection, then the operation will not work.

During the issuance of a new card, consultants will help you choose the best card option, which will take into account all the individual conditions for its use. For example, travelers are offered a Visa Classic Aeroflot card, which has the opportunity to receive discounts when purchasing air tickets.

Very often Visa Electron cards are used as salary cards. They are intended primarily for transactions within the country and not only. According to the existing list of bank cards, they allow you to pay for goods and services within the country and abroad. In addition, you can pay for goods and services via the Internet, receive cash through an ATM. Transfer funds and pay for services through Mobile Banking and Sberbank Online. Make payments and transfers through ATMs and terminals of Sberbank, as well as deposit funds to the account in cash and non-cash.

Can I use the card abroad?

But, despite all this, the Visa Electron card (Sberbank) provides for its use on foreign services, but since not every site will accept payment from such a card. For this reason, be sure to check what features the card has before paying for a purchase abroad.

Even Sberbank employees themselves, when using Visa Electron and Maestro cards, pay attention to which payment systems are accepted for service on websites or in the stores themselves, as well as get acquainted with the terms of payment.

For users of the Pay Pal payment system or the European payment system Moneybookers skrill, who want to link a card to their account, it is best to first make sure that such an opportunity really exists, since information changes very quickly, and you can only get an accurate answer from jar. To do this, contact the customer service hotline.

What additional features does Visa Electron have?

"Visa Electron" of Sberbank, upon receipt, can be connected to additional services that significantly increase its capabilities. by the mosteasy to use and really necessary is the service of Sberbank called "Mobile Bank". It can be provided free of charge or for a fee. It allows you to control the state of the card account, pay for services using a mobile phone, instantly block the card if it is stolen or lost.

For those customers who usually buy something via the Internet, registration on the personal page of Sberbank is also suitable. This service is called "Sberbank Online". To connect it, just contact the bank branch with a card, and the consultant will help you get a login and password. These are far from all the services of Sberbank OJSC that can be connected to the card.

How to conduct secure transactions?

Relatively recently, a new card security technology called Verified by Visa was introduced. With it, the security of card transactions via the Internet is increased several times.

It's worth saying right away that Sberbank's Visa Electron does not have embossed data on its surface. Therefore, both the name and surname of its owner are considered payment details. Card data should never be sent to third parties.

To fully ensure the safety of the transaction, you should use a separate card only for online purchases. The account of such a card is replenished only for the amount of the purchase and after that it is “reset to zero”. It is very convenient to use virtual cards that are intended only for paying for purchases via the Internet.