Visa Momentum card in Sberbank. The procedure for issuing unnamed Momentum cards. Limits and restrictions on Momentum cards

The Momentum card is universal and is characterized by the presence of free annual service for account holders with Sberbank of the Russian Federation. You can issue a card in 15-20 minutes, it has a credit limit of up to 150 thousand rubles.

The Momentum card is universal and is characterized by free annual service for Sberbank account holders. You can issue a card in 15-20 minutes, it has a credit limit of up to 150 thousand rubles, the loan rate is 25.9% per annum. Visa and MasterCard Momentum holders of Sberbank of Russia can use the optimal range of services and count on the right amount of money anytime and anywhere. You can get a card on the day of contacting the bank, and you do not need to have anything with you except your passport. The Momentum card is the ideal solution for successful business people who want to keep up with the times.

How to get a Sberbank Momentum bank card

Getting a Sberbank Momentum bank card will not take much time, you no longer need to wait 2 weeks. If approved by the bank, you will receive the card on the same day. The following requirements are put forward for Sberbank clients: obligatory citizenship of the Russian Federation, age from 21 to 65 years inclusive. An applicant for a card must be permanently registered in Russia, in the region where he expects to receive a card. A positive decision in favor of the client is made if his total work experience is at least a year, and for the last 6 months he must continuously work in one place.

How to activate the card

After receiving a Sberbank Momentum card, you can start using it immediately. No separate activation is required. All that the cardholder needs is to put on her money, after which you can pay for services and buy goods by bank transfer. Immediately after receiving the card, ask the ATM for the balance, print out the check - the balance will be zero. At a Sberbank ATM, you can change the password automatically assigned to your card to the one that is most convenient for you. It's easy and doesn't take more than five minutes.

How to use a Sberbank Momentum card

Using the Sberbank Momentum card is very simple. This process is no different from using other cards of similar banks. When making purchases, pay by card or, if necessary, withdraw cash from it. The available limit after each purchase will decrease exactly by the amount that is written in the check. Repay the debt with any amount not less than the monthly limit set by the bank. After topping up the card, the limit will increase and will be ready for use again if necessary.

How to top up the card

You can replenish the Sberbank Momentum card account in any way convenient for its holder. This process is not much different from other banks. You can make a cashless transfer of funds from a card account opened with another bank. It is possible to transfer funds from card to card (if both cards are issued in Sberbank of the Russian Federation). Transfers are also made from a regular Sberbank account. You can deposit funds on the card through a payment terminal or replenish the balance in cash at an ATM. As you can see, there are many options - choose the one that suits you the most.

Sberbank Momentum card conditions

It is worth saying that Sberbank issues an instant Momentum card on very favorable terms. This card can compete with any personalized counterparts. The most important conditions: 100% free card issue and the first year of service - this allows the owner to save a lot. You can set a certain credit limit, depending on the income level of the cardholder. There is an interest-free period within which you can use the bank's money without interest - depending on the amount under the limit, this period is up to 50 days. The Sberbank Momentum card has a fixed interest rate of 18.9%.

Withdrawal limit

Depending on the income of the cardholder, the bank sets its own withdrawal limit for it, which can vary from several tens to several hundred thousand rubles. Here everything is individual and the decision is made by the bank. To receive a card with a credit limit for taking baths, you must fill out a questionnaire, indicate your age (at least 21 years old and not older than 65 years old), permanent citizenship in the Russian Federation and residence in the region in which you order the card. Everything is simple!

Validity

The validity period of the Sberbank Momentum card is indicated on the front side of the card. From the date of issue, it is valid for 12 months, after which it is subject to mandatory replacement. To change this unnamed instant issue card to a new analogue, you do not need to fill out the questionnaire again and wait. As a rule, two weeks before the end of the term of use, you will receive an SMS from the Sberbank operator with a request to come to the bank and receive a new card that has already been issued to replace the old one. Usually, by the time a client arrives, his new card has already been stored at a bank branch for at least a week.

Credit card Sberbank Momentum

By ordering and receiving a Momentum credit card, you can count on the Thank You from Sberbank bonus program, as well as discounts and special offers from two international payment systems: Visa and MasterCard. Thanks to the remote services "Mobile Bank" and "Sberbank Online" you will always be aware of the operations that are performed on the card, you can always get a report for the required period and see the balance of funds. Holders of this card can set up the "Autopayment" function and use it to pay for utilities, Internet, television, cellular communications and other services. You can replenish the card either in cash through a terminal or a bank teller, or non-cash by linking it to WebMoney or Yandex.Money electronic wallets.

Check card balance

To get up-to-date information about all transactions made over a certain period of time, to find out the amount of the balance on the Sberbank Momentum card, you need to choose one of the most convenient ways: receive a monthly report on the card from Sberbank to your e-mail. You can activate the "Mobile Bank" service and receive SMS notifications on your phone. Contact the contact center of Sberbank of the Russian Federation and find out there. Finally, you can independently register in the Sberbank Online Internet bank and generate reports at your discretion. In this case, you can select and group periods, view transactions made on the card, per day, week, month.

Card reissue

Having ordered and received a Sberbank Momentum card once, you do not need to worry about its validity period and further reissue. All this will be done for you. After the expiration of the card validity period, you will receive a notification to your e-mail, mail or phone about the need to come to the regional branch of the bank (the one where you originally issued the card) and pick up the already reissued analogue, the validity of which will also be 12 months. Funds remaining on the account of the old card are automatically transferred to the new one.

How to close the card

The card itself does not need to be closed. The main thing is that there are no loan debts left on it. If, after the expiration of the validity period of the card, you consider its content inappropriate, you just need to come to the Sberbank branch in which you opened the account and close it by returning the card to the operator, having previously withdrawn all remaining funds from it. That's all.

A plastic bank card is the same indispensable attribute of a modern person as a cell phone, offering the owner many convenient features. But first you need to get it, and this may take from several days to a couple of weeks, which you have to put up with. The Momentum Sberbank card is devoid of this drawback - customer service begins on the day of the request, and he can immediately replenish his account through an ATM or receive a money transfer from friends.

What is a Sberbank Momentum card

Objectively speaking, we have a full-fledged bank card that can be used to pay in supermarkets or online stores, transfer money to other cards, and pay bills for housing and communal services and cellular communications. At the same time, the Momentum Sberbank card compares favorably with similar offers with fast processing times and no fees for issuance and use. For comparison, the first year of servicing a classic Sberbank Visa will cost the user 750 rubles, the difference is obvious.

Instant issuance cards Momentum Visa and Mastercard

If you look at the assortment of plastic Sberbank cards, it is immediately noticeable that they often have two options - debit and credit. This applies to premium, gold, classic and even youth offers. The Momentum Sberbank card also has two types, each of which will be convenient depending on your goals.

Debit

This is a bank card in its purest form, as most users are accustomed to perceive it. They can transfer salaries to it, you can directly pay for purchases with it or receive money using an ATM. The total prevalence of Sberbank ATMs greatly simplifies this task, providing the user with a convenient service for managing an account (for example, checking a balance or various transfers). Similarly, this problem can be solved using the services of Sberbank Online.

Credit

Issuing a Momentum Sberbank credit card is also notable for its short time, but it provides for a personal predetermined offer from the bank itself. It is received by payroll or pension clients, debit card users or consumer loan borrowers. The personal offer of the bank implies an approved limit of up to 120 thousand rubles, a grace period of 50 days, and interest on the loan - 29.5%. Requirements for the recipient of a Momentum credit card will be slightly higher - the minimum age is 21 years old, Russian citizenship is required.

Features of the Sberbank instant card

The main thing that distinguishes the Momentum Sberbank card from its plastic counterparts is its unnamed format. A standard debit or credit card of any bank has a personification - it is issued to a specific owner indicated on the front side. You can consider this an additional security measure when shopping or traveling abroad. However, if you use plastic only to withdraw money through an ATM, then using an unnamed Sberbank card will not bother you at all.

Pros and cons

If we summarize all the information presented together, then we can say that the Momentum Sberbank card has the following advantages:

speed of registration (on average - 15-20 minutes),
a minimum of documents and requirements (passport, registration, for a credit card - Russian citizenship),
and accumulation of points for non-cash purchases,
the possibility of opening accounts - both in rubles (Sberbank Momentum R card), and in dollars or euros,
free service (for credit cards - not in all cases),
no fee for transfers between different accounts using Sberbank Online,
the ability to use the full range of services and services (Internet banking, SMS alerts, and others).

The disadvantages include:

unnamed format (makes it difficult to work with virtual wallets, online stores, etc.),
transfer commission may be higher than for other savings cards,
cards that are issued without a chip can only be used in Russia,
ATM withdrawal limits are less compared to other plastics.

Separately, it should be said that free use of ATMs is possible only within the territorial branch of the bank where the card was received, and in other regions they will charge a commission of 0.75%. This can be a “pleasant surprise” during a long trip, so when you receive a Momentum card, carefully read the “Terms of Service” - they are posted on the corporate website.

How to apply for and receive Sberbank Momentum

Becoming a Momentum card holder is very simple. All that is required is to come to the bank branch with documents, fill out the necessary papers with the help of an employee. Sometimes getting a debit card can be difficult - you will be offered more expensive options under various pretexts (for example, Visa Classic). In many cases, this is not due to the presence / absence of Momentum savings cards, but to the desire of an individual employee to sell you a more expensive service. This problem is solved:

greater persistence of demands;
contacting management;
visit to another branch of the bank.

The company's website clearly indicates the requirements for obtaining a Sberbank Momentum card - they are minimal and easily achievable for most. To receive a debit card, you need to present an "identity document". It doesn’t have to be a passport, a driver’s license or service ID will do (sometimes this will be a significant advantage, for example, when you are in a foreign city and things are stolen from you), but in all situations you will be required to confirm temporary or permanent registration on the territory of the Russian Federation .

Momentum card from Sberbank - conditions

An important condition for the full and uninterrupted operation of the savings card is activation. This process is carried out by the bank no later than the next day after issuance, but the holder of the Sberbank Momentum debit card can initiate this process independently. You need to pay for the purchase in the store by entering the code written on the PIN envelope (or perform some operation using an ATM) - so your card will gain full functionality! If it is issued without such an envelope, then it becomes active as soon as you set the PIN code.

Card limit

Given the specific nature and extremely simple receipt procedure, it is not surprising that the Momentum card has a lower cash withdrawal limit at an ATM than other savings cards. Most users will not be affected by this restriction in any way - the daily / monthly limit is 50,000/100,000 rubles. For comparison, for the Visa Classic card, these figures are 150,000/1,500,000 rubles, but here you will have to pay for the service.

The limits also apply to currency Momentum, where the daily limit for cash withdrawals at cash desks or ATMs of Sberbank is $1,600 or EUR 1,200 ($3,000 or EUR 2,500 per month). The same maximum will be for third-party banks, and there servicing of Momentum savings card holders is possible only through ATMs, and the teller at the cash desk will not be able to issue money.

Those who have a Momentum Sberbank credit card will show much more interest in the credit limit - it is determined by the bank individually for each client, based on information about his income level. The upper bar is 120,000 rubles, the restrictions on cash withdrawals through an ATM are the same as for Visa or Mastercard Momentum debit cards.

Ability to use abroad

The first issues of the Momentum savings card were supported by Visa Electron and Mastercard Maestro, which clearly limited the geography of their use outside our country - they were useless abroad. Currently, Mastercard and Visa Momentum cards of Sberbank are equipped with a chip module, so they are a full-fledged means of payment outside of Russia, making it easy to withdraw money from ATMs or pay for purchases. It would not be superfluous to advise you to check with bank employees all possible commissions for such services, because they may not always be explicit.

How to top up a Sberbank Momentum card

There are many convenient ways to replenish your Momentum savings card - depending on the situation, one or the other option may suit you:

non-cash transfer from another bank (for example, payment from the employer),
transfer from another card (or account) of Sberbank, including using Internet and SMS services,
cash replenishment through an ATM or payment terminal.

Sberbank Online

Here is a remote service that offers convenient financial management on your card, allowing you to perform many functions without searching for an ATM or visiting a bank. Without further explanation, it is clear that it is much more convenient to pay utility bills while sitting with a laptop at home in the kitchen than standing for half an hour at the cash desk. In order to start using this service, you need to register on the site, and by confirming the entry into the system with an SMS password, you get access to your personal account, from which you can perform all actions.

If we talk about replenishing your Momentum card by another person using Sberbank Online, then in terms of money it is more profitable than transferring with the help of a teller at the checkout. If the region of the sender and the recipient are the same, then there will be no commission for the transfer at all. An online transfer from another region will cost 1% commission, which is also very profitable, compared to 1.5% when paying through a bank teller.

Mobile bank

And this is another modern way to remotely manage cash from your card - using a mobile phone. If you are already registered with Sberbank Online, then the connection will occur automatically. In other cases, this is done using an ATM or directly at a bank branch. Once connected, you get the opportunity to transfer money and pay for services using short USSD commands. Keep in mind that the service may be paid, but it is possible to connect the "Economy Package", where basic requests are not paid.

Having a connected mobile bank, you can easily replenish the Momentum card of your friends or relatives, if they are also registered in the Mobile Bank. There are enough situations when there is no access to a computer or an ATM in life (for example, leaving the city), but you can send money to the addressee with a simple message indicating the ten-digit phone number and the transfer amount. If you often have to transfer money to the same people, then you can simplify this procedure by giving each of them short names.

Terminals and ATMs

For many, this will be the most familiar and convenient way to replenish your Sberbank Momentum card. After inserting the plastic into the ATM and passing the verification using the PIN code, you need to select the cash acceptance function on the screen, and then add one bill at a time to a special receiver, while at the same time observing that the device correctly calculates the amount. By depositing all the banknotes, you confirm the operation, and the money is credited to your account.

With the help of payment terminals (such as Qiwi, Unistream), you can replenish both your own cards and the plastic of third parties. The algorithm is the same as when using an ATM, only the card itself does not need to be inserted anywhere - you should enter its number in a special window on the screen. The commission for such a transfer is 1.5-3%, and it is better to keep the check until the time when the money is credited.

How to use the Momentum card

After receiving and activating the card, you can start using it. It is convenient to control the balance using ATMs, the Sberbank Online system or a mobile bank (in the latter case, if you do not have the "Full Package", the service will be paid - 3 rubles for each request). But it is much more important to monitor the state of finances of the Momentum credit card, because if you do not repay the debt on time, you can not only get penalties, but also ruin your credit history. For the convenience of users, the bank informs about the status of the loan in various ways, including using SMS messages.

Service Tariffs

For users of Momentum debit and credit cards who do not want to spend extra money, it is important to understand as quickly as possible that the wording “card with free service” does not mean at all that all services provided will not require payment. Even without talking about the commission for interregional / interbank transfers, SMS informing or ordering an extract through an ATM (15 rubles / printout) may be paid for you.

This fee for services will be more symbolic, especially in comparison with the cost of annual maintenance of other bank cards (from 700 rubles), but in this case it is very important to show the user the existence of possible costs in principle. With such information, the owner himself will be able to optimize costs and organize the use of his plastic card more correctly.

Updated: April 2019

When becoming a client of Sberbank or opening any bank card, an individual can receive a Momentum instant credit card, which is issued on the day of application in 15 minutes. The Momentum card belongs to the Visa and MasterCard payment systems and can be an effective financial instrument if used correctly.

Article navigation:

What it is?

There are 2 types of instant card "Momentum" from Sberbank:

The first is a debit instant bank card, which can be obtained with virtually no restrictions.
The second is credit, which is a profitable option for Sberbank customers.

Terms of Service

First, consider the Momentum debit card, as the easiest to obtain and use. Its holder can be an individual over the age of 14 years.

For its registration, you will need to visit the bank office and sign a number of documents.

You can activate quick cards with the first transaction that requires the use of a PIN code.

The Momentum card is made in 1 day, does not require payment for service, allows you to make transactions without commissions and is easily replenished in any available way.

When using an instant card, a number of features and limitations should be taken into account:

The Credit Momentum credit card limit does not exceed 600,000 rubles.
The interest rate will be about 23.9% per annum.
The Momentum card is valid for 3 years.
The minimum payment in the amount of at least 5% of the total debt is paid monthly.
Cash withdrawal from an instant withdrawal card is possible only with a commission. The Momentum card is designed mainly to pay for purchases on the Internet and in regular stores where the appropriate payment terminals are installed.
Despite the fact that a Visa or MasterCard card can only be opened as an anonymous card, its details allow you to conduct secure transactions on the Internet. Withdrawing funds from ATMs of other banks may cause an additional commission from a third-party bank, as with the cards of the Classic group.
Like a debit card, a Momentum credit card is issued and serviced free of charge. Reissue also does not require additional investments.

How to get a?

The Momentum debit card is available to anyone over 14 years of age.

You can count on a special offer if the following conditions are met:

The presence of citizenship of the Russian Federation.
The holder must have a permanent registration in the region where the instant credit will be issued.
The work experience of a citizen for the last five years must be at least one year, and the length of current work on the terms of official employment for at least six months immediately before issuing a card with an instant decision of the bank.

You can get an instant Credit Momentum credit card only if a personal offer has been received by a Sberbank client. It usually indicates the approved limit that the fast bank card will support.

Also, a free plastic card that supports credit terms of use is more likely to be offered to those who already have a Sber payroll card.

The instant card is issued only on Sat, this product cannot be issued online.

Payment Methods

Another advantage of the Momentum credit card is a convenient term for interest-free payment of debt on the card, which is also a grace period.

If the amount withdrawn from a credit card is returned to it within 50 days, then no interest will be charged to the account holder.

In the event that the term set by the bank is not enough for repayment, a commission will be set on the amount of the debt, as with a regular loan.

How to close the card?

If the client does not plan to use a Momentum debit or credit card, he can close it at a Sberbank branch.

In the case of debit plastic, it is enough to simply close the account and issue the relevant papers with a bank employee.
As for a credit card, before closing, you need to make sure that there are no debts on it. In accordance with the rules for servicing credit cards, the account will be closed 30 days after the repayment of all debts on the credit account and the submission of an application for its closure.

The physical plastic carrier of an instant card of any type will not need to be handed over to a banking organization.

However, must be checked whether all paid services are disabled for this card and account. This applies to SMS informing and insurance, but there may be other functions.

Additionally, you should make sure that the bank is informed about the client's unwillingness to reissue the card.

An instant card, whether it is a debit Visa Electron, which is issued according to a passport within 15 minutes, or a credit Master Card, which does not even require a preliminary application, is the best tool for banking operations.

Both types of Sberbank cards are issued in one day, they can be ordered at any branch of Sberbank, plus, unlike the Classic line of cards, the client does not have to wonder how much the card service costs.

For many users of the services of a banking organization, this offer looks like a convenient and simple system of interaction with the bank.

Sources:

There are several types of bank plastic cards: credit and debit, premium and standard, registered and unnamed. The latter are also called instantaneous.

Plastic cards are very convenient for their owners. They can be used at any time and almost anywhere, make purchases, pay for services in any currency. However, such cards have a drawback - it takes about ten days to reissue them.

And there are situations when it is impossible to wait, for example, the client is going to travel or abroad. In this case, you can issue an instant unnamed bank card.

What are the advantages of such a card?

the registration process is very fast - about 30 minutes;

it is enough to present only a passport;

the card can be used immediately after registration;

low maintenance cost;

you can use it like a regular personalized card: withdraw money from an ATM, pay in stores and on the Internet.

But there are also downsides:

not everyone can get an unnamed credit card: banks prefer to issue them only to solvent verified borrowers who have taken a loan from them or made a deposit;

abroad, not all ATMs serve non-personalized cards;

low security of use: there is no information about the owner on the card, therefore, in case of loss, the card must be immediately blocked, because whoever finds the card can easily pay for it in stores or on the Internet.

Obviously, the instant card has more advantages. But, when you do decide to draw it up, do not forget about the cons.

Instant issuance cards "Momentum" Visa Electron and Maestro from Sberbank

Sberbank uses Visa Electron and Maestro Momentum cards very widely; these are entry-level cards that allow you to make non-cash payments in Russia for free and withdraw money from Sberbank ATMs.

Momentum Visa Electron and Maestro cards have, in a sense, replaced demand deposit savings books. The card is issued to the client immediately after opening an account, including social cards for transfers and pensions.

When you connect SMS-informing for a small fee of 20-30 rubles per month, you can be aware of all receipts and debits from your card account and control your finances. With a Visa Electron, Maestro "Momentum" card of Sberbank, you can pay in stores with installed Sberbank terminals, pay for utilities at an ATM, in your personal account or using a mobile bank.

It is impossible to pay for services on the Internet with such a card, since on the back of such a card there are no three digits used in card payments on the Internet. But if you connect to Sberbank's personal online account, you can pay within the online account for the services provided by Sberbank.

Cardholders can transfer funds to the accounts of friends and acquaintances. If the recipients' accounts or cards are opened with Sberbank, then no commission is charged for the transfer. Sberbank provides an opportunity to top up an e-wallet account in Yandex.Money for free, which in turn allows you to pay for almost any purchase on the Internet.

Visa and MasterCard Momentum cards

Visa and MasterCard Momentum cards with a credit limit of up to 150 thousand rubles are issued only to those customers who have received a personal offer from Sberbank. If you use this card using bank funds, then it is advisable to make all payments only by bank transfer.

When withdrawing credit money at an ATM or at the cash desk of Sberbank, the grace-free interest-free period on the card is canceled, it is up to 50 days. In this case, a commission is charged for the issuance of cash in the amount of 3% of the amount and not less than 199 rubles. The commission for cash withdrawals from ATMs of third-party banks is 4% of the amount and not less than 199 rubles.

The card is accepted for service at any ATMs and terminals installed in the trading network, where there is a Visa and MasterCard badge.
You can pay by card online. The card has all the additional features provided by Sberbank and electronic payment systems Visa and MasterCard.

On this card, transfers of credit funds from the account to another account of the holder and to the accounts of any other users of Sberbank cards are prohibited, this is prohibited so that it is impossible to withdraw money from the account at an ATM, thus maintaining the grace period.

After the end of the grace period, if the money is not deposited to the card account, interest is accrued on the balance of the debt on the card, in the amount of 18.9% per annum. If it is not possible to repay the loan in full, you can limit yourself to repaying the minimum payment amount monthly.

The bank informs the payment amount by SMS 20 days before the maturity date. You can view the amount of the minimum payment in your online account. After the repayment of the payment amount, the interest for the month is debited from the account, and the rest of the amount contributed to repay the loan can be used at the request of the client.

If there is no credit debt on the account, then the card acts like a regular Visa or MasterCard card. You can take the card with you abroad, but pay attention to whether the card has an electronic chip, if it is absent, card service denials outside of Russia are possible. After the expiration of the card, Sberbank issues a personalized Visa or MasterCard credit card for the replacement card holder.

Sources:

official website of Sberbank of the Russian Federation about Visa and MasterCard Momentum cards
official website of Sberbank of the Russian Federation about Momentum Visa Electron and Maestro cards

Momentum Visa Electron and Maestro instant issuance cards allow you to pay for purchases on the territory of the Russian Federation, as well as withdraw cash. Their indisputable advantage is free service.

Sberbank Momentum card is the fastest and free of charge. The receiving process will take a few minutes. Consider the advantages and disadvantages of this product, the conditions for obtaining and using.

Terms of service for Momentum cards in Sberbank

The Sberbank Momentum card is a free debit plastic of instant issuance, to receive which it is enough to have a passport with you. This is the main difference that makes it especially attractive. It is enough just to come and pick up the product, unlike personalized cards, the release of which you need to wait 2 weeks, and also pay for the service.

In terms of functionality, Momentum Sberbank is similar to other plastic cards. For registration, a Momentum debit and credit card from Sberbank of the international payment systems Visa and Mastercard is available. By paying with them, you can return from 0.5 to 20-50% of the cost of the goods by connecting to the "Thank you" program. It is also possible to manage the funds on the account remotely, using the Sberbank Online system or a mobile application.

The Momentum credit card is provided with a grace period of 50 days, like other Sberbank credit cards. The interest on the loan is from 23.9%, and its size can reach 600 thousand rubles.

As with other Sberbank cards, all holders of a Sberbank Momentum credit or debit card can use the Mobile Bank, managing funds through short SMS commands. Customers always have access to self-service devices - terminals, ATMs.

Contactless payment is not supported, but it is possible to pay for services/goods using only your phone through the Apple/Android/Samsung Pay applications.

Consider the conditions under which a Sberbank debit and credit card is provided, highlight the main advantages and disadvantages.

Cash withdrawal limit on Momentum Visa and Mastercard

The possible currency of the Sberbank Momentum debit card is rubles, US dollars or euros. A credit card is provided only in rubles. Plastic is issued and serviced free of charge, you also do not need to pay anything for the next and early reissue. Additional cards are not issued. Among the minuses is a lower cash withdrawal limit.

Debit

Available limits of the debit card Momentum of Sberbank:

Monthly cash withdrawal limit (at the cash desk / ATM) - 100 thousand rubles / 3000 dollars or 2500 euros;
Daily allowance at any cash desk / ATM / without a card for cashing out - 50 thousand rubles. (equivalent in foreign currency) or 1600 dollars / 1200 euros;
The limit for transferring funds to another Sberbank client through remote servers by card number is lower than for other cards - up to 101 thousand (only rubles can be transferred);
There is also a restriction on payment by bank transfer - 100 thousand rubles. (3.5 thousand dollars / 2.5 thousand euros) per day.

Commissions for transactions, according to the terms of service of the Momentum debit card, will be as follows:

there is no commission for replenishing an account through the cash desk, except when money is deposited in another territorial bank not personally by the owner of the plastic (for this, the commission is 1.25% of the amount, but min. 30 and max. 1000 rubles);
for cash withdrawals at the branch where the card is opened - there is no commission within the daily limit, for an amount exceeding it - 0.5%;
cash withdrawal in another TB/subsidiary banks - 0.75%;
cash withdrawal through cash desks / ATMs of third-party financial institutions - 1%, but not less than 150 rubles. (5 USD/EUR);
checking the balance on the account - 15 rubles / request;
full package of mobile banking - 60 rubles / month. (after free 2 months).

Credit

Available limits on Momentum credit cards:

cash withdrawal per day - up to 150,000;
through native ATMs - no more than 50,000;
through the cash desk of Sberbank and other banks - up to 150,000.

For cash withdrawals - in the native bank 3%, in someone else's - 4%, but not less than 390 rubles.

Pros and cons of using a card

Thus, the following advantages of Momentum cards can be distinguished:

free maintenance and receipt;
fast clearance;
the ability to remotely manage money through remote services via the Internet or telephone (Sberbank Online, mobile application and SMS command), settings for auto payments and transfers;
access to all regular bank card transactions without additional fees;
savings through participation in the Thank You from Sberbank program and promotions from Visa/Mastercard;
credit cards also have advantages in low interest rates and a large credit limit on the personal offer of the bank for existing customers.

The disadvantages of Momentum cards from Sberbank include:

lower limits compared to similar products (for cash withdrawal, transfer of funds through UCO);
inability to connect to the salary project;
in case of loss / theft, it is impossible to restore the card - you will need to get a new one;
with cards without a chip (issued before May 2016), there may be difficulties when paying abroad;
a lower level of security for transactions, since the card is tied only to a mobile number.

As you can see, the cons are less significant and there are fewer of them.

How to get a Momentum card at Sberbank

How to get a Momentum card? This is the easiest plastic to make.

Debit

The debit card Momentum of Sberbank Visa / MasterCard is valid for three years, it can be issued, according to the terms of the bank, upon reaching 14 years.

To get it, it is enough:

come to the nearest office with a passport;
sign an agreement;
pick up the card.

Credit

Momentum - at a bank branch or through an online application on the website (in the Visa or Mastercard payment system at the discretion of the client). A credit card is available if you have citizenship of the Russian Federation and permanent / temporary residence in Russia, citizens of the Russian Federation 21-65 years old can get it.

These include:

holders of salary/pension cards;
active owners of other payment cards;
Sberbank depositors;
consumer loan holders.

Sberbank will inform about the pre-approved offer, and the client will already decide to accept or refuse such a credit card.