Advice 1: How to make a Bank card of Sberbank

To date, the Sberbank of Russia offers a good selection of different Bank cards. Debit card, credit, social, youth – you can choose any map, focusing on their needs and predpochteniya. And to issue a Bank card of Sberbank it is possible in just a few minutes.
How to make a Bank card of Sberbank
The procedure of registration is quite simple, it requires no special knowledge. Choose any convenient branch of the savings Bank and contact your representative. Clearly explain what you expect from plastic card. Explain for what purpose you need it, how it will do money. The representative will help you choose from all plastic cards the one that meets all of your stated conditions and requirements.
Please submit a document certifying the identity (passport), inform contact telephone number, please wait until the operator will make on your behalf an application to receive a card of Sberbank, sign in these representative fields. Copies of such statements will remain with you.
Often the manufacture of plastic card you have to wait some time (the average waiting period is 15 working days). Before receiving your card you will receive a printout with details of the Bank and number of your personal account. If you are expecting a transfer of funds before receipt of the card, inform the payer account specified in the printout. The money can be transferred from the moment of registration of your application.
Until you do not receive a plastic card, you cannot withdraw the money but can at any time apply to a Bank with passport, and you will give complete information about movement of funds on your personal account. The cost of registration and annual fee for servicing the Bank card depends on the card type you have chosen.
15 working days (or another date specified by the Bank), contact the same office for obtaining the card. You should have only a passport. Sign in you receive a card, get a light-proof envelope with a PIN code from the teller. Also, when you receive a card, you can connect service "Mobile Bank" and "Sberbank online" for quick access to your account via a mobile phone or the Internet.
You can also order a Bank card with individual graphic design (individual design) on the website of the savings Bank at the following address: Go to "credit card", select your card type and follow the instructions, go through all the stages of registration.

Advice 2 : How to get a Bank card

To get a Bank card is not difficult. Enough to choose a Bank and type of card and apply to the nearest branch of the credit institution. After your conversation with the teller (or consultant) and filling out the necessary paperwork, the Bank will start making the card.
How to get a Bank card
You will need
  • - passport;
  • - the presence of registration by place of residence;
  • - a pen (it is likely to give the Bank);
  • - money to pay for the services of the Bank.
Bank cards belong to different payment systems, the most common cards Visa and Mastercard. Maps of these systems can be used in any part of the world where there is a cash machine or device of reception of payments via Bank cards.
The main classes of payment cards: low (Visa Electron, Maestro), classic (Visa Classic, Mastercard standard) and preferred: Gold, Platinum, etc. the higher the class card, the more features and bonuses, its owner, the more expensive and annual maintenance. At low and middle income to pay for the privilege makes no sense.
Cards are also divided into credit and debit. The latter is also called the estimated. For debit card is only available to the owner his own money. The credit - money of the Bank provided to the client as a loan. There are also Bank cards with overdraft facilities: credit limit as a rule provided in excess of the balance on the card.
For processing payment cards be enough for your passport. You may need to immediately make payment of the annual maintenance. If you want a credit card, most will need one of the additional documents: the passport, the certificate on INN assignment, military ID, driver's license. The Bank may also wish to see documents proving your income.
When choosing a Bank must take into account the proximity of his office to home, work, etc., the number of ATMs in the city of residence (which in most areas is preferable to that which one ATM in the whole town), the availability and the breadth of the branch network in Russia, the possibility of withdrawing cash without interest in its ATMs and other banks in the country and abroad, the opportunity to control the account over the phone and via the Internet.
Of great importance are the reviews of other customers and his own impressions of visiting the Bank and talking to their clerks on the telephone. If you don't like something, it is better to choose another Bank. When studying the reviews, pay attention to exactly how banking product was used by his author. If a person has problems with the return taken from the Bank loan, it is unlikely that his review of the Bank will be positive.
When the choice is made, it remains to come to the Bank and tell the staff about his desire to get a card. In many banks there is an electronic queue, but there are also many where a live.
Bank employee will give you the documents that need to be filled and will look at your passport.
It is not excluded that will soon be paid in cash money for the card maintenance. But there are banks where it is optional, the money levied upon the first receipt of the account. Possible option when you need to make a minimum payment, especially on a map of the privileged class.
When done, the Bank starts issuing of the card. This process takes from three days to a week. Possible accelerated card issuance in the period from one day for a fee.
To obtain ready-made maps often have more time to visit the office. Many banks inform the customer about the readiness of the card on the phone, but not all. There are those who are willing to send cards by mail to the address of the client. In this case, it may require telephone activation.
Along with the card you will receive an envelope with the PIN code. It you will enter into the ATM to use the card. To see and know the PIN isn't needs nobody else but you.

Advice 3 : How to issue a debit card in the savings Bank

Debit cards of Sberbank is a universal payment card for your own savings. In order to formalize this map, you must select the type and write the statement on reception of branch of Bank or on his official website.
How to issue a debit card in the savings Bank
You will need
  • - computer with Internet access;
  • - INN;
  • - the document proving the identity.
Select one developed by the savings Bank variants of debit cards. This may be the Visa Classic & Mastercard Standard - a universal payment tool for everyday use; the savings Bank - Maestro /Sberbank - Visa Electron – a debit card for cashless payment for goods and services in 130 countries; youth debit cards for boys and girls from 14 to 25; Visa & Mastercard with individual design Visa virtual cards/Virtual MasterCard; Visa Gold/Classic "gift of life", the first payment debit card of Sberbank of Russia, "tied" to a charity; Gold/Mastercard Standard MTS - debit card with the accumulation of points in the program "MTS Bonus"; Visa Gold/Classic Aeroflot - debit card accumulating miles in the program "Aeroflot Bonus"; sberkart – microprocessor card.
Complete the statement on letterhead from the security branch of the savings Bank or the Bank's Internet site. You should choose a product card and a currency debit card and specify your region of residence (when entering data in a network – even the street or the metro station to determine a closest to the client branch of the savings Bank where the account is opened and issued debit card).
In conclusion write personal data – surname, name, patronymic name and surname, date and place of birth, citizenship, taxpayer identification number, postcode and address (including registered address if different from residential address) and details of the identity document – this can be passport, passport, military ID card, military ID card and even a residence permit. The informant on the website or an employee of the savings Bank will inform you when the card is ready.
Among the types of debit cards, you can choose "special" - status VIP cards Visa & Mastercard Gold and Visa & Mastercard Platinum or Sberbank - Maestro Momentum, which is issued at the time of treatment without charging a fee for service card.

Advice 4 : Where to get debit card

Plastic debit card is your wallet, the amount which is initially equal to the one that you have made to your Bank account when it is opened. Usually debit card you draws your accounting Department, if the salary of its employees shall be transferred immediately to a Bank card. But you may be able to obtain a debit card in the Bank, where you want.
Where to get debit card

What is a debit card

When you decide to obtain a debit card, you need to open an account in the Bank that you chose. You can a lump sum to be paid on this account a large sum of money, which then will use its discretion and withdraw funds in the form of cash, paying for goods and services and cash. In that case, when you regularly get small amounts of money as aid from parents or, for example, wages, working remotely, you can put on the account, which will subsequently be constantly updated. The size of the amount which will be immediately credited to your account, no importance.

Together with the application for opening an account, you fill out the application for the issue of debit cards. It is a personalized card, a secret pin code which only you will know. On it you can without any commissions to make cashless purchases, pay utility bills and to withdraw money at ATMs of the Bank, the property of which it is. For using the ATMs of other banks unless they are part of a social network of your Bank, you will be charged a fee.
Friendly ATM network is the ability to withdraw money at ATMs of other banks on the same terms offered to the issuing Bank.

Which Bank to choose

Many prefer debit cards of Sberbank only because their ATM network is the largest, and you will not have problems if you want to withdraw cash. But plastic debit card issued in the same Bank, serving the company in which you work also has its advantages. You don't have to wait 2-3 days, when the money transferred to your accounting as wages received on account, card will be credited the same day
The balance in the account tied to the debit card should always be positive. You will not be able to get her out of more money than there is on the balance sheet.

You should also keep in mind that some banks can offer such a good opportunity, as a separate Deposit account where you can save money on storage and it the Bank will charge interest. Note that, what is the cost of processing cards as you have to pay for annual maintenance and for cash withdrawals at ATMs of other payment systems and banks. Specify how well-developed network of ATMs from a Bank, whether you are comfortable using it. Compare the terms offered by several banks and select the one where your money will be fine.
Is the advice useful?