Youth card limit from Sberbank: conditions, how to withdraw and replenish

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

Today, the bank's clients are not only adults who have already taken place in the profession, but also students, school graduates and young novice specialists. Receiving scholarships, wages - all this requires a bank card. It was for them, for young clients of Sberbank PJSC, that the Molodezhnaya debit card was issued with a low cost of annual maintenance. Below you will find information about obtaining a card, validity period, daily limits on the Sberbank Molodyozhnaya card, as well as a possible commission for accepting or withdrawing cash.

General card information

The Molodyozhnaya debit card can be issued to Sberbank clients aged 14 to 25. The cost of annual maintenance is only 150 rubles. Moreover, it is important to point out that the cost of service does not change in the secondand subsequent years. If it has not yet expired upon reaching the age of 25, it will not be blocked. However, it will no longer be possible to reissue the card.

It is worth noting that increased "Thank you" bonuses from the bank's partner companies are accrued on it. The card allows payment through Apple Pay, Google Pay and other similar services. Can be issued in the following payment systems: MasterCard, VISA. Additional card is not issued.

Custom design

Sberbank offers young customers the opportunity to choose their own design for the Molodezhnaya debit card. To do this, go to the site in the "Debit cards" section and go to the design order menu.

For the convenience of customers, Sberbank has offered more than 200 color options for the front side, in addition, you can send your own design for approval.

To do this, you need to upload an image, place it on the map through a special form and send it for approval. If the design is approved, you will receive a custom sample. The cost of ordering a card with your own design is 500 rubles. Maintenance will cost 150 rubles a year.

Transaction limits

What is the limit on the Sberbank youth card for such operations as paying for purchases in online and offline stores, restaurants, and other expenses? There are no restrictions in this case. In other words,the client can make purchases for any amount, however, for large expenses, the bank has the right to request confirmation of the withdrawal of funds in order to make sure that the actions are performed by the client and are not fraud.

The limit for transfers using a Sberbank youth card through the Sberbank Online service is 1 million rubles. However, it is important to clarify that when transferring more than 100 thousand rubles, the manager will contact the client to confirm the operation.

Limit for crediting cash to the card account

The limit for replenishment on a Sberbank youth card, or rather, the limit for conducting operations to receive cash to be credited to an account through a bank employee per day is 10 million rubles.

There is no fee for accepting cash at Sberbank ATMs. In other words, the client can independently deposit any amount of money on the card.

There is also no fee for accepting cash and crediting it to the card account at branches of PJSC Sberbank. Payment for receiving cash in another territorial bank is 1.25% of the deposited amount, but not less than 30 and not more than 1000 rubles.

Cash withdrawal limit

The withdrawal limit on the Sberbank Molodezhnaya card at ATMs and branches of Sberbank is 150 thousand rubles. This is the amount the client can receive without commission. The limit on the Sberbank Molodyozhnaya card per month is 1.5 million rubles.

If the client tries to withdraw a large amount, the ATM will refuse to perform this operation. ATin this case, you will have to contact the bank branch.

It is worth noting that the client can also transfer funds between his cards without commission using a mobile application or in his Sberbank Online personal account. As a matter of fact, if the limit for withdrawing funds on a card without a commission has already been exhausted, then if you have another Sberbank card, you can initially transfer funds to it and withdraw them later.

It is important to note that if you want to withdraw funds from an ATM of a third-party bank, you will have to pay a commission equal to 1% of the amount withdrawn. Moreover, the commission cannot be less than 100 rubles. The same happens when withdrawing funds at the cash desks of third-party banks. The commission is also 1% of the amount, but not less than 150 rubles.

It is not possible to withdraw an amount from a Sberbank ATM over the limit on a Sberbank Molodezhnaya card. The device will simply not let you complete the operation. If you wish to withdraw an amount over the limit on the Sberbank Molodezhnaya card, a commission equal to 0.5% of the amount exceeding the limit will be withdrawn at the bank's cash desks. Transactions at ATMs, as well as cash desks of third-party banks, are not possible.

The daily limit of the Sberbank youth card for issuing funds without using a card through the cash desks of territorial banks outside the place of account maintenance is 50 thousand rubles.

In case of urgent need to receive cash, a fee equal to 6,000 rubles per transaction will be charged.

Differences between MasterCard and VISA

HowIt has already been said above that the "Youth" card of the bank is issued both in the VISA payment system and in the MasterCard payment system. For people who travel more often to countries where the currency is the dollar, it is better to choose the first option, and for those who prefer countries where the currency is the euro, the second. It is also important to note that all the limits described above for the Sberbank Molodezhnaya card are completely identical for both payment systems.

However, there are still differences. Each payment system offers its own bonuses to card users. For example, discounts on taxi rides from MasterCard and much more. And all this in addition to the bonus program from Sberbank.

The cost of various card services

Scheduled re-issuance of the card is carried out automatically and is free for the client. However, for such a service due to loss, as well as due to a change in personal data, you will have to pay 150 rubles. Checking the balance of funds at Sberbank ATMs, as well as at a bank branch, is absolutely free. If you try to make the same transaction at an ATM of a third-party bank, you will have to pay 15 rubles.

The same amount of money will be withdrawn from the account for receiving an extract containing information about the last ten transactions at a Sberbank ATM. Receiving the same report via SMS or email is free of charge.

Blocking and reissuing the card

The validity of the Molodezhnaya card from Sberbank is 3 years. As soon as the term expires, the card will be automatically reissued anddelivered to the bank branch. You can get it exactly in the branch in which it was originally ordered.

If the client wants to block the card for personal reasons before the expiration date, he must either call the customer support service or write an application for blocking the card at the bank branch. You can also block the card in your Sberbank Online personal account or through the mobile application in the Cards section.

If the card was lost or stolen, the owner must immediately call the customer support service, tell about what happened and block the card. It is in this case that fraudsters will not be able to use the funds in the account. Also, the card can be blocked unilaterally by the bank if the financial institution suspects fraudulent activity.

It is important to note that the reviews of the card in question are positive. Parents of minor children note the convenience of using the card, as well as the fact that they can transfer money to a child without a commission. Older card users especially note the “Thank you” program from Sberbank. Bonuses allow young people to receive discounts on the purchase of air tickets, cinema tickets and much more. Also, customers note the low cost of servicing the card.