Why is there a negative balance on the Sberbank card: analysis of all cases

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

Bank cards have firmly entered the life of a modern user. This is not only a convenient means of payment, but also a reliable custodian of the owner's funds. PJSC "Sberbank" is the leader in terms of the number of issued plastic cards in the Russian Federation. But sometimes bank customers have to deal with an unpleasant situation: the card balance suddenly "went into the red." There are several reasons why the Sberbank card has a negative balance, and not all of them are cause for concern.

Card balance: how to quickly find out about the availability of funds?

Those users who actively pay with credit cards in retail outlets and online stores, cafes and gas stations, want to always be aware of the balance in the account. Getting up-to-date information about the card balance reduces the risk of fraudulent activities, including theft of funds.

The methods provided to users of how to find out the balance of the card differ from each other in speed, commission and customer preferences:

1. Checking at ATMs and terminals. A proven option that does not require special skills is the use of the Sberbank terminal network. To check the balance at an ATM, you need to insert the card with the chip forward (it is located on the front side of the plastic), enter the PIN code (4 digits), select the "Request balance" tab in the menu that opens, and the method of providing information - with a check or on the screen.
2. USSD-request via "Mobile bank". This is the fastest way to find out the balance of the card. To receive help via SMS, you need to send a message to the number "900" with the text "Balance", indicating the last digits of the card separated by 4. The cost of the service is 3 rubles. If there is only one card, just dial 90001 and press the call button.
3. Internet banking "Sberbank Online". Using the mobile application or the desktop version, the client can enter the Personal Account and view the balances on all accounts. Registration and use of online banking is free of charge. Identification is performed using a login and password. The login is issued in the bank terminal, passwords are sent in SMS notifications from the number "900".

Having learned how to check the balance, the user can always haverepresentation of the availability of funds on a plastic card. If there is a "minus" on the card, you should familiarize yourself with the reasons that could lead to the debiting of funds.

Reasons for a negative balance on Sberbank cards: all cases

There are several options when the user's card balance becomes negative:

• overdraft;
• arrest account;
• yearly service charge;
• payment for the "Mobile Bank" service;
• technical failure.

Overdraft cards: what is it, reasons for a negative balance

In Sberbank, an overdraft for individuals is a "card loss" when the client's own funds limit is exceeded. This is a feature of a bank card, which is similar to a credit card: unlike the latter, overdraft cards are issued not with a limit on the bank's funds, but with the possibility of establishing a negative balance up to a certain amount (for example, -30,000 rubles).

The overdraft limit is set taking into account the solvency of the client and his wishes. It can be scaled down at the user's request. An increase in the overdraft is made at the initiative of the bank, if the owner actively uses the possibility of the card and does not allow delays when depositing borrowed funds. In this case, there are no negative consequences of a negative balance on the Sberbank card.

When depositing funds late, the client's credit history worsens. The bank has the right to reduce the limitoverdraft by notifying the client about it in SMS from the number "900".

Since 2017, Sberbank has temporarily stopped opening plastic cards with an overdraft facility. Customers who have previously issued products can use analogues of credit cards without restriction.

Arrest of a Sberbank card: causes, consequences

One of the unpleasant reasons why there is a negative balance on the Sberbank card is the arrest of the client's account. A feature of this case is its unlimited limit: an arrest can be imposed in the amount of 1 ruble to several million.

The arrest is imposed by the Federal Bailiff Service at the place of registration of the cardholder. It is always associated with the client's debts and can be called:

• loan arrears;
• non-payment of utilities;
• delay in paying tax payments or traffic police fines, administrative offenses.

When a Sberbank card account is arrested, a client can receive a certificate from the bank indicating the reasons for debiting funds. The extract indicates the number of enforcement proceedings, the full name of the authorized person, the amount debited from the account, the balance of the debt (if any), the date of the document. With this certificate, it is recommended to contact an employee of the Federal Bailiff Service of the Russian Federation to find out about the debt and ways to return funds.

Negative card balance in case of non-payment of the loan

If the client repeatedly made delays on Sberbank loans, the debiting of funds can be executed by the bank's collection service. In this casein the certificate in the column "Contractor" there will be not the name of the bailiff, but the name of the supervising department of Sberbank.

To get rid of the debt debited from the card, the owner of a bank card needs to urgently deposit funds under a loan agreement. Money can be debited from both the owner of the loan and the guarantor specified in the loan agreement.

Annual maintenance: when does a new card go negative?

A negative balance on a Sberbank debit card occurs immediately after the product is issued. The size of the "minus" is proportional to the amount of the annual service card.

To get rid of the debt, the customer must deposit funds into the account upon receipt of the product. This can be done at the bank office, terminals or by transfer from another account. The fastest way to receive money is when depositing at an ATM of Sberbank: the time of crediting is from 1 minute.

Payment for "Mobile Bank" service

Debiting funds for SMS alerts from the number "900" is the reason why there is a negative balance of 60 or 30 rubles on the Sberbank card.

The amount depends on the type of card: for instant issuance cards and social cards, the cost of the full package of "Mobile Bank" is 30 rubles. In other cases, the client will receive a notification about debiting 60 rubles to the account of the service.

The fee is charged 2 months after the full package is activatedservices. It allows you to quickly receive information about all changes in the balance of the card in the form of notifications.

If the cardholder does not want to pay a fee for the service, he can switch to the economical tariff of "Mobile Bank" with free service or completely disable the service.

Technical failure: what to do in case of a system error?

The reason why there is a negative balance on the Sberbank card may be due to a technical failure. This rare occurrence can cause trouble for the cardholder.

Write-off due to a bank system error in 90% of cases is associated with a general failure of programs in Sberbank. In this case, the client may receive a notification from the bank.

To get rid of the debt that arose due to a technical error, the cardholder should contact the Support Service. The Contact Center specialists will accept an application for adjusting funds and inform you about the time frame for correcting the situation.

The application will be executed within 48 hours from the moment of failure. If the error was of a systemic nature, that is, hundreds of clients had problems, funds are returned faster: from 1 to 24 hours, depending on the number of applications.

There is a negative balance on the Sberbank card: how to withdraw money in this case?

If a client has been debited from a bank card, this greatly complicates their withdrawal. In some cases, it is impossible to receive money within a day. Such situations include freeze of accounts and overdraft.

OnSberbank card negative balance: what to do and how to withdraw funds?

• In case of a technical failure, you must leave an appeal. If possible, the cardholder should come to the bank's office with a card and passport. The manager will tell you how to fill out an application for a refund. Money can be returned within minutes. Sometimes a visit to the office is the only way to quickly receive funds, as the support service takes longer to process the application: it takes up to 48 hours to process the application.
• In case of a negative balance associated with the arrest of accounts, it is required to contact the Federal Bailiff Service of the district with an extract on enforcement proceedings. If the arrest was made erroneously, for example, due to a fine from the traffic police, which the owner of the car has already paid, it is required to provide documents confirming the payment of the invoice. In the case of an authorized write-off, the funds will be returned to the client's account only after all debts are paid off. The arrest is removed within 10 days from the date of fulfillment of obligations by the client of Sberbank.