Every day we pay for groceries, services and commute. Probably, cash is not the most convenient and safe way to do that. Debit card is a reliable and time-tested instrument for your everyday expenses and receiving income.
The debit card is a bank card that gives you access to your money kept at the bank. You can use it to transfer money, shop, or pay invoices, patents or utility bills.
Why a card is more convenient than cash?
A debit card has a number of advantages:
- Safely keep money on your account
- Pay for products and services without counting cash
- Accumulate bonus points that you can use to pay for something or get a discount. For example, with SberSpasibo loyalty program you can pay up to 99% of the purchase value with bonus points. For more information, follow this link.
- Easily withdraw cash at our ATMs. Sber has the largest ATM network in Russia
- Transfer between cards online, including to other countries — no need to go to a branch
A debit card makes it easy to manage a budget. All the information on spending and income is saved in your profile. At any point in time, you can see how much money you spent during a particular period. SberBank Online mobile app has Financial Analysis section that displays spending across various categories: supermarkets, clothes and healthcare. The app defines all the categories automatically, no action is required from you.
Limits and restrictions. Banks set different daily and monthly limits on transfers and cash withdrawals for their debit cards. Learn more about SberCard rates and fees for foreigners.
Card types. Types of cards. SberBank issues debit bank cards of the Mir national payment system.
Your card may be issued either as a piece of plastic or as a digital card. A digital card is displayed in the mobile app, but you can’t put it in your wallet. To pay with it online, just enter its details.
Card fees can vary depending on the services a card offers and its level. The fee is paid annually or every month.
How do I apply for a card?
You can apply for a card:
- Online from your phone or computer. This is fast and safe – all you’ll only need is your national passport or another ID and a phone number of a Russian mobile service provider. When your card is ready, you’ll get a text message inviting you to pick it up at a branch;
- In SberBank branch. The employees will help you to apply for a card and consult you on the other bank products and services.
How to put money on your card?
Cash:
- You can deposit cash via a teller at any SberBank branch;
- In a self-service terminal or ATM. Insert your card and enter your PIN → main menu → “Deposit cash” → follow the instructions.
Non-cash:
- In SberBank Online, go to your card’s page and press “Top up”. Or transfer an amount from any of your other accounts or cards.
How to withdraw cash?
- At a cash desk in a SberBank branch
- In an ATM of any bank. To avoid fees and commissions, it's better to use SberBank ATMs.
How to protect the card from criminals?
SberBank Online mobile app has a section about cybersecurity. There you can learn about the ways to protect or re-issue your card, recognize a fraudster and make sure your data don’t end up in the hands of criminals.
The debit card is an easy and convenient payment tool.
Learn the basics of using a bank card to make any transactions anywhere, anytime.
Sberbank. General banking license No. 1481 issued by the Bank of Russia on 11.08.2015.
Online banking and the SberBank Online mobile app are available to holders of SberBank bank cards (except corporate cards) connected to the Mobile Bank text messaging service. Internet access is required to use online banking and the SberBank Online mobile app. No age limit applies to any information products. The SberBank Online mobile app is available for installation on iOS or Android mobile devices of Program Participants. Visit the Bank’s website www.sberbank.ru, contact a branch or call 900 for more information on online banking and the SberBank Online mobile app. Not for use by children (18+).
