All the secrets of the Visa Electron plastic card

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

Today, more and more people in our country prefer to keep money not in a wallet, but on a card. The most popular is plastic from Sberbank, as it is the largest bank in Russia. Visa Electron is one of those varieties used by more than half of consumers around the world.

Benefits of bank cards

The merits of the treasured plastic have already been appreciated by many owners of this financial instrument. The Visa Electron card has a number of advantages:

1. In order to open it, you will need a minimum of documents. Passport and application form, where you will need to put your signature.
2. Getting access to the funds on it at any time of the day or night.
3. The ability to make purchases with a card in supermarkets and online stores.
4. Favorable exchange rate of currency funds on the card.
5. The ability to pay for communication services, utility bills, as well as transfer money from card to card.
6. Using such services as "Web Bank", "Mobile Bank", "Sberbank-onl@yn".
7. If you lose your card, you do not lose money,they remain in your account.
8. Bonuses and promotions every quarter.

What you need to know about the Visa Electron card?

Let's take as an example the offer from Sberbank in the Central Black Earth region. This card is issued to all interested citizens who have reached the age of 14. Its validity period is 2 years. For the release you will have to pay 150 rubles. And there is no minimum down payment. Maintenance of your account will be free of charge. The limit of funds that you can withdraw within a month is 1 million rubles. In addition, on the last business day of the year, you will receive 0.1% per annum.

After the expiration date, the Visa Electron bank card requires re-issuance. For this operation, you need to pay 90 rubles. The account on the reissued card will not change, but you will receive a new number and PIN. In case of loss of the card, a fine of 30 rubles is provided.

"Visa Electron" is considered an entry-level card, but has a basic set of features. It is often used as a salary.

The only drawback is the fact that it is not always possible to use this type of card abroad. This is due to the fact that any payment is agreed with the bank. Not every terminal has this capability. The same can be said about paying for purchases in online stores. Therefore, you need to pay attention to the logos of the cards with which this or that trading service works.

Paid transactions on the card "VisaElectron"

"Sberbank" is the unified financial system of Russia, so the conditions offered by it are practically the same everywhere. In the regions, there may be some differences in the proposals of the financial institution. Consider paid operations in the Central region. Along with free transactions (for example, paying for a purchase or withdrawing cash in your city), there are also paid transactions.

These include:

• 

  Transfer to a user card issued in another region. You will have to pay 1% of the amount. If you perform the same operation through a Sberbank employee, it will cost more - 1.5%.

• Transfer from a Visa Electron card to a card of another bank - 1%. Through the operator, the same procedure will require 2%.
• Payment of utility bills through Sberbank Online - 1%. But when paying at the bank with the help of an employee, you will have to pay 2-3%.

Summing up, I would like to share good news. Sberbank has begun issuing Visa Electron Momentum electronic cards with the symbols of the Sochi Olympics. Anyone over the age of 14 can get it at any bank branch in a few minutes.