Momentum card (Sberbank): how to get and how to use. Terms, instructions and reviews

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

Sberbank instant issuance cards are simple and non-registered entry-level bank cards. In this regard, they have a minimum amount of opportunities. The most important advantage that the Momentum card (Sberbank) has is the ability to issue and receive it ready-made in no more than 15 minutes at any branch. Such cards belong to the Visa Electron or Maestro payment system. Any currency can be. But if a credit card is issued in dollars or euros, then this is possible only if the owner receives a loan in the appropriate currency. Instant payment means can be used not only in your country, but also abroad.

How can I get an instant card?

The Momentum card (Sberbank) has a fairly simple design. To do this, you just need to contact the bank branch, fill out an application for a bankservicing and obtaining an international card. Then the employee will be given a card, for which you will need to come up with a secret code. This operation is carried out through the use of an ATM. Also on the spot you can get data for entering Sberbank Online and connect SMS informing. After registration of all services, the corresponding messages will be sent to the phone.

Sberbank Momentum card: how to use

This type of cards in its application practically does not differ from other similar banking products. You can put money on it and withdraw it through any ATM. You can also pay by card in shops. The Momentum credit card (Sberbank) allows you to use borrowed funds from the bank. Customer reviews of this banking product are more positive than negative, so it is really worth using. When paying for purchases in stores, you must enter a pin code. As for the Visa Electron system card, it is enough just to sign the check. Among other things, instant cards can be used via the Internet and Mobile Bank, that is, make payments online and by sending requests from your phone.

Credit card "Momentum" Sberbank - conditions

Such cards are provided to customers at any bank branch. Citizen must be at least 21 years of age. Be sure to present your passport. You don't have to worry aboutthat you will come to the branch and not receive a card, as they are always available. Like any other credit card, this one has a grace period of 50 days. Interest rate - 18.9%. When withdrawing cash from the client, a commission is charged in the amount of those percentages, but not less than 400 rubles. When conducting a transaction at ATMs of foreign banks, it is four percent. In addition, other banks that are subsidiaries may charge their own interest for providing cash.

How to activate?

How is the Momentum card activated? Sberbank describes the conditions for using credit cards in detail, and you should carefully study them. Then you need to open the sealed envelope, which contains the card itself and the pin code. If you do not know the secret code, you will not be able to receive funds or pay for something in the store. Also, do not trust it and the card to third parties or simply tell anyone your secret data.

Now you should carefully examine the card itself. Make sure that everything is correct, its number is clearly visible and the logo of the payment system is displayed.

Further on the back of the card in the white field put your signature. The bank itself promises that the next day the Momentum card (Sberbank) will be activated automatically.

To see for yourself that it works, you can insert it into an ATM and, for example, check the balance.

Issue instant card online

Unfortunately, when answering the question of how to get a Sberbank Momentum card, one cannot say that it can be issued via the Internet. Today it is no longer necessary to specifically submit an application and wait for the bank to approve it. You just need to contact any branch, and the card will be in your hands within 15 minutes. Among other things, you can register a card in the Thank You from Sberbank bonus program, make money transfers, pay for purchases directly in the store or via the Internet, remotely manage your funds, receive discounts, activate auto payments, and so on.

Is it safe to use the card?

Momentum card (Sberbank) has reliable protection. As a rule, the reasons why fraudsters gain access to the account are simple facts of neglecting the rules on the part of the clients themselves. First of all, you should not keep your card and pin code side by side. When you receive an envelope with a card inside, it's best to just remember the pin and get rid of the envelope. When making payments, you should not allow merchants to take the card out of your sight. If you receive an email or SMS message asking you to provide a pin code, then know that it is strictly forbidden to do this! Bank representatives do not need a pin code to make transactions with your permission or just to clarify information. Try to avoid ATMs in crowded public places, as they are often overlaid with the help of which attackers get your card details.

How to top up the card?

So, how is the Momentum card (Sberbank) replenished? The instruction is pretty simple. There are several methods for performing a transaction.

1. You can deposit cash through a bank teller. To do this, it is enough to provide a passport, card number (if any) or account number. Next, you need to name the amount of the transfer, check the correctness of the details - and that's it, after a while the funds will be credited to your account.

2. Through the terminal. This method is the simplest of all, with the help of which the Momentum card (Sberbank) is replenished. Customer reviews speak for themselves. There is nothing complicated here. It is enough to insert a card into an ATM, enter a pin code and deposit the required amount. Funds will be credited to your account instantly.

3. At the counter of another bank. But when making such a transfer, you should remember that you will be charged a commission charged by the bank. In addition, money can go more than one day. And basically it is very long, while the debt should be repaid quickly.

4. From an electronic wallet. Systems "WebMoney" and "Yandex. Money" also allow you to make transfers to cards. Here you just need to enter either the account details, which is long enough, or indicate the card number. As a rule, the money arrives very quickly.

It should be said that the personal presence of its holder is not necessary to replenish the card. The transfer can be made by a third party. Although he will need to provide his passport and write an application that will include all the details.

What can be unpleasantconsequences?

Surely each of us knows that if you fail to fulfill your obligations on time, there are certain consequences. If we talk specifically about credit cards, then if the payment is repaid late, the bank may impose a fine.

As a rule, credit institutions charge a certain percentage for each overdue day. As for Sberbank, it has 38%, while other banks have only 24%.