Virtual card of Sberbank: registration

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

Of all the banking products that exist today, plastic cards are the most popular. They almost do not differ both in their appearance and in the methods of use. But there is also the so-called virtual card, which is worth discussing separately.

What kind of card and what is it for?

A virtual card is a special card for fast and safe payment for online purchases. Sberbank and other banks thus make it possible to pay for a hotel stay, make purchases in various online stores, and also buy plane or train tickets. In addition, you do not have to indicate the data on your card.

As a rule, a virtual card does not have a physical medium, that is, instead of the usual rectangular piece of plastic, the client is provided with only the details necessary to pay for services via the Internet. These include the expiration date of the card, its number and a three-digit security code.

How to issuecard?

Obtaining such a card does not involve any complicated procedures. This can be done even via the Internet, ATM, instant payment terminal or by phone. Each of the banks has its own registration method, so you should first clarify which one is used in the one you have chosen. Most financial institutions have several methods for opening these cards.

Sberbank's virtual card is not physically issued, but there are financial institutions that still do it. But here everything is a little different than with a regular map. The client is provided with a regular piece of plastic without any hologram, magnetic strip or chip. In this case, there will also be no pin code, since it is impossible to withdraw cash and pay for purchases in regular stores using such cards. The front side has all the necessary payment details: the number of the card itself, its expiration date, security code, and the name of the holder. To order such a card, just make a phone call, but you will need to contact the bank to receive it. Then you will be provided with a virtual Sberbank card. Registration takes only a couple of minutes.

Some credit institutions even open a separate account for a virtual card, others require an existing account or a valid card. And some banks issue such a card as an additional one to the existing one.

How safe is it to use a virtual card?

The main advantage that hasvirtual card of Sberbank and other banks for payments, is the safe conduct of payments on the Internet. The whole point is that it can be configured for a specific payment, and even if hackers access it, they will not be able to use it.

If the client wants to deposit a large amount into the account, most banks allow you to set a certain limit, more than which you cannot spend. Some financial institutions set the maximum limit for spending funds per month on their own.

Some banks also give permission to block and unblock the card as needed, while others only allow closing.

How can I top up my virtual card?

Due to the modern banking system, transferring funds from your account to a virtual one or simply depositing cash into it is no longer a problem. You can do this through an ATM, the bank's Internet service, at the box office, through SMS informing, and so on.

In what currency is the account opened?

Usually, the bank does not charge a commission for payments via the Internet with a virtual card. If it does, it will be on a small scale. Special attention should be paid to such operations in which the currency of the account and the purchase do not match. In such situations, the bank will charge a conversion fee. For this reason, most users who actively buy something on the Internet draw up several cards at once in different currencies.

Using a virtual card over the Internet

The virtual card of Sberbank and its use via the Internet are very relevant today. As the statistics of payment systems show, today there is a steady increase in sales via the Internet. Literally three years ago, our country became one of the five leaders in virtual shopping. Online stores offer customers a variety of payment options for purchases. Banks, respectively, are developing new tools. One of them is a virtual card of Sberbank.

Details for settlements

The name of the card already speaks for itself. It cannot be held in hands, carried in hands or in a wallet, but some banks also provide a plastic version. Despite the fact that on the official website of Sberbank there are photographs of samples of plastic virtual cards, in reality these products do not have physical media. Virtual payment instruments are for online purchases only.

A virtual bank card of Sberbank, like any other, has a number consisting of sixteen digits, an expiration date and a three-digit security code. When issuing a card, the last details can be received on a mobile phone by sending an SMS message. In addition, the surname and name of the cardholder are also indicated when placing an order. They must be written in Latin letters.

On what terms is it provided?

Sberbank virtual card is issued to existing bank customers who havedebit card of this financial institution, issued under the universal banking agreement. In addition to all this, the holder must activate the SMS informing service and register in the Internet bank.

Many customers are wondering: how to get a virtual Sberbank card? To do this, just contact the Sberbank contact center and dictate the details of a plastic debit card. If necessary, you can also block previously issued copies and order a reissue of the card ahead of schedule. Unfortunately, today the provision of virtual cards is carried out only for Moscow residents.

Pilot maps

It is also worth mentioning that the bank tariffs of Sberbank refer to the virtual card project as a pilot one. Judging by the feedback from customers who already use such cards, the bank's specialists still have something to improve. It is necessary to eliminate technical overlays, study the desires of consumers, in general, bring products to perfection.

Today, a Sberbank virtual card is issued only in ruble equivalent, it is valid for three years, and maintenance costs 60 rubles. Card re-issuance is free of charge, but a commission of 30 rubles is charged during this operation due to a change of surname.

Also, a certain daily limit is set for transactions carried out via the Internet. It is not more than three hundred thousand rubles perday.

Transactions with such cards can be made in rubles, dollars and euros. The amounts of write-offs and credits on accounts during conversion are calculated by separate formulas for each currency. Exchange rates are determined daily by the bank. For debit transactions in euros using Visa cards, a conversion fee is also added to the purchase amount. It is 0.65% of the debit amount.

How to open a virtual Sberbank prepaid card?

This bank also provides such cards. They have a payment system "Visa". They also do not have a traditional plastic carrier, and they are designed to pay for purchases on the Web.

Any client can issue an unlimited number of cards. The maximum limit on the account is the amount of 15 thousand rubles, and the minimum is 200. Due to the fact that the card is not personalized, it is possible to issue it without documents. You just need to go through the activation. Card issuance is free, there is no annual service fee.

But, unfortunately, replenishment of the balance of an already issued account is not provided. The balance of the account can be viewed on a special Sberbank website or in the contact center.