Sberbank Momentum card - what is it. Momentum debit card from Sberbank Momentum from Sberbank

Sberbank is rightfully considered the leader of the Russian market, and this is no coincidence. The largest financial institution in the country offers its clients a wide range of services - from the possibility of opening an account for an organization or individual to online brokerage services. The bank issues a large number of different types of means of payment.

Beneficial benefits for private customers are provided by the Momentum debit card. Getting a card is very easy: it is an unnamed entry-level plastic. The product is fast in processing and performs all the basic functions of a debit card. At the same time, the proposal has a number of limitations. What? Consider in the article.

Benefits of the Momentum Card

The Momentum debit card from Sberbank has a number of undeniable advantages. The main one is simplicity and speed of registration. Bank employees will issue plastic to the client immediately after signing the contract. To apply for a card, it is enough to present only a passport, and the whole procedure will take no more than half an hour.

In addition, you will not have to pay for the issuance of this type of means of payment. There will be no deductible from the customer and annual maintenance. You can issue a debit card not only in rubles, but also in foreign currency - in dollars or euros. At the same time, it will retain all its benefits, and the terms of use will remain unchanged.

There are two types of Momentum card: Visa, MasterCard. The product implements all the basic functions of payment systems.

With the help of the card, you can carry out all the main banking operations:

Transferring money to other cards of Sberbank and other banks.
Making payments via the Internet or ATM.
Payment for services according to the details of the company.
Cashless payment in retail outlets.
Cash withdrawal from ATMs and bank branches.

The Momentum debit card from Sberbank allows you to control all transactions remotely: through your personal account on the website or using Mobile Banking. Using this type of payment instrument, you can carry out any transaction.

The most popular transactions among Momentum holders today are:

Payment for utility services.
Payment for mobile communications and services of Internet providers.
Shopping online.

All the types of payments listed above can be easily made with a Momentum card via the Internet. The main thing is to have enough funds in the account. The capabilities of the Sberbank Online system also provide for the creation of special templates for making regular payments to the details of the same recipient. This feature is also available to Momentum cardholders and greatly simplifies the process of transferring funds.

The card use agreement also provides for the possibility of connecting the account to the Thank You bonus program. In this case, when making a cashless payment in stores, the participant of the bonus program is awarded special points. The size of the bonus can be from 1% to 30% of the amount of each purchase.

In the case when the product is purchased from program partners, the accrued amount of bonus points can reach up to 20% of the purchase price. You can spend the accumulated points in stores that support the Thank You program from Sberbank. Moreover, bonuses can pay up to 99% of the value of the goods. As you can see, the offer is more than attractive.

Card Disadvantages

The unnamed Sberbank Momentum card is a basic banking product and has incomplete functionality. This means that there are a number of limitations in its use. Let's list them:

You cannot receive wages on such a card.
Making a Momentum debit account does not provide for linking several cards. In this case, the principle applies: one account - one card.
Some popular online marketplaces do not accept payment from non-named cards. This is justified by the fact that such plastic has a lower degree of protection compared to other means of payment.
After the expiration of the card (3 years), it will not be possible to renew it. The holder will have to close the account and, if desired, issue plastic of this format again.
If the card is lost, it will not be possible to reissue it. You will have to block the card and close the account. The rest of the funds on it will have to be collected in cash at the cash desk of Sberbank. If necessary, of course, it will be possible to get a new Momentum card. The conditions for it will be the same, but the account number will not be saved.
A relatively small limit on monthly and daily transactions. So, for example, you can withdraw no more than 50,000 rubles through an ATM per day.
Inability to cash out funds in subsidiaries of Sberbank located abroad.
Some operations become impossible outside of Russia.

As you can see, the Momentum card has many limitations, but if they are insignificant for the consumer, then this banking product can turn out to be a convenient and effective means of payment.

Terms and tariffs on the card

Like any banking product, Momentum has its own terms of use and tariffs for certain operations. For a day, the owner of such plastic can cash out no more than 50,000 rubles. The monthly limit is set at 100,000 rubles. By bank transfer per day, you can conduct transactions for an amount not exceeding 100,000 rubles. Up to 10 million rubles can be credited to the card account per day.

The commissions for the issuance of funds for Momentum holders are as follows:

You can cash out the required amount without commission at an ATM of Sberbank. But on condition that the withdrawn funds do not exceed the established maximum. For overspending the limit, a fee of 0.5% of the withdrawal amount will be charged.
A commission of 0.75% of the amount will be charged for conducting a transaction in another territorial bank or in a subsidiary credit institution.
For cashing out in a third-party bank, you will have to pay 1% of the withdrawn amount, but not less than 150 rubles.
Transferring money between Sberbank cards is carried out without commission, provided that the means of payment belong to one territorial bank. Otherwise, a 1% fee will be charged.
Replenishment of the card account, as well as all other non-cash transactions are made without charging commission interest.

When opening an account in dollars or euros, the terms of use and fees will remain the same as for a ruble account. All commissions and interest will be charged according to the current exchange rate.

Some additional information services for Momentum holders may also be paid. For example, you will have to pay 15 rubles to receive a statement on the movement of funds on an account through an ATM. In this case, the information provided will concern only the last ten transactions.

If the client needs a full report, then it will be provided free of charge at the bank branch. If you can’t personally come to the bank, then you will have to pay 150 rubles for sending the document by mail. For your information, the same statements can be obtained free of charge through online services: Sberbank Online or Mobile Bank.

SMS notification will be free only for the first two months. Further, they will begin to charge a fee for maintenance - at least 30 rubles per month.

Conditions for issuing a card

For those who still do not understand how to get the Sberbank Momentum, we will answer that it is quite simple to do this. Minimum requirements for the applicant:

Age from 14 years old.
Citizenship of the Russian Federation.
Having a permanent residency.
In some cases, a provisional registration will be sufficient.

To become a cardholder, you need to come to the nearest branch of the bank and turn to a specialist with a corresponding request. You will need to present your passport for registration. After filling out the application, the client is issued an UDBO agreement for signing and is given a sealed envelope, which contains the plastic itself and the pin code attached to it.

For many means of payment, Sberbank has developed a program for remote registration and receipt of a means of payment. Momentum cannot be obtained in this way. Online application for this product is not provided. The card will be issued only after the applicant's personal application to the bank branch.

By offering Momentum to its customers, Sberbank guarantees that the user will receive a modern and reliable means of payment. Despite a number of restrictions, the card allows you to easily and quickly pay for purchases, purchase various goods and services, withdraw cash, and, if necessary, even top up your balance.

The Maestro Momentum card of Sberbank belongs to the category of the simplest types of plastic cards. It is non-named (the user name is not indicated on it). Using the card provides great benefits for the client, but at the same time, it also has many limitations compared to other Sberbank cards.

You can get a Maestro Momentum card from Sberbank only if you personally visit a bank branch. A characteristic feature of this card is that it belongs to the type of unnamed cards and is issued instantly. In the case of ordinary cards (classic, premium, gold), you must wait up to 14 days to receive them.
Often, this factor is decisive when choosing a card.

In order to receive a Maestro Momentum card, it is necessary to draw up and sign a banking service agreement.

That is why personal presence is necessary. At the same time, you should not worry about any special requirements. The only condition is that the age of the future holder of this card must be at least 14 years old.

In general, the procedure is as follows:

The application is submitted to the bank branch.
A passport is presented.
UDBO ends.
A card is issued.

Features of the Maestro Momentum card of Sberbank

The card has the following options:

an account can be opened in any currency (euro, dollars, rubles, etc.);
the current validity period is 3 years;
you can pay for services or purchases;
if you connect Sberbank Online or Mobile Bank, you can transfer money, replenish your account, pay for services and control your bank balance;
for non-cash transfers from card to card, you can use an ATM or terminal;
it is allowed to set up periodic auto payments as payment for housing and communal services, replenishment of a telephone bill, payment of credit debt, traffic police fines, etc .;
the ability to connect the program "Thank you";
you can use the available services from MasterCard.

As you can see, Momentum is as close as possible to cards of international importance.

Along with that, the Momentum Maestro Sberbank card is also characterized by specific conditions that are not found in others:

the process of issuing funds takes seconds;
card issuance does not require any payment;
serviced free of charge.

Maestro Momentum Card Restrictions

The disadvantages include the inability to reissue the card.

If suddenly the card or PIN-code is lost, it is impossible to restore it. Instead, you can issue a new card of any format. This also applies to changes in the personal data of the customer. That is, when the name of the cardholder changes, it will not be possible to replace it. The current account will have to be closed and a new one opened.

The only time you can reissue this card is when it expires.

Withdrawing money from the Momentum card abroad

Due to the peculiarities of this type of cards, there may be difficulties in withdrawing money and paying in stores abroad. In more detail -.

Card withdrawal limits

As for the restrictions on withdrawing funds, in this case, they are the same as for all debit cards.

Limits are focused on certain actions:

withdrawal from the account of funds for one month should not exceed 100,000 rubles. By the same principle, the currency is withdrawn, taking into account the current exchange rate;
withdrawal of money in one day cannot exceed 50,000 rubles;
in one day from the card it is impossible to transfer, transfer or pay for the service in an amount exceeding 100,000 rubles.

When the Mobile Bank is connected, fees are charged for certain types of operations:

to clarify information about the latest transactions performed on the card by obtaining an ATM statement, the cardholder will have to pay 15 rubles;
in order to receive a report on the status of the card every month through the post office, you need to pay 150 rubles;
the report sent to the e-mail address comes free of charge;
it is not possible to obtain the necessary information through the services of other financial institutions.

Transfer from an unnamed card

You can replenish the Maestro Momentum debit card from Sberbank in different ways: through an ATM or bank cash desk, by transfer from another account or bank, etc.

For operations involving the withdrawal of funds, the following commissions are provided:

through the cash desk of the bank - nothing is withdrawn;
through the cashier, provided that the daily limit was exceeded - 0.5%;
through the involvement of another territorial bank - 0.75%;
transactions are not carried out through other banks.

You can make transfers within Russia, but abroad this card is practically of no use.

It is possible to receive money on the card. And the transfer is available only in accordance with the templates offered by Sberbank Online, at an ATM or using bank details.

If you act through a bank branch, you will need to name the card number and details of the recipient.

Transfer via Sberbank Online

We offer you to consider the details of using the online service:

Entering the identifier and code is carried out from the Sberbank Online Personal Account.
From the header of the main menu, select "Transfers and payments".
Select a section from the list: a Sberbank client, between your cards, an organization or a person in another bank.
Enter bank data into the template: TIN, account numbers, BIC.
Click "Continue".
Enter in addition the name, amount, purpose.
Click "Continue".
Confirm consent to the transfer with the code from the received SMS.
The operation will take place.

The Maestro Momentum Sberbank card is very simple to design, free to maintain, so its shortcomings seem very insignificant.

The provision of debit credit cards is becoming more and more popular. Even pensioners who got acquainted with all the amenities, benefits and advantages of cashless payments began to use such services. Some clients are afraid of difficulties in obtaining such services that may arise with registration. To do this, banks develop specialized offers that are issued instantly. One of them is the Sberbank Momentum card, what it is, we will understand below.

Features of offers from the bank

Sberbank Momentum card

The Momentum card is divided into credit and debit cards. Sberbank provides a service for issuing them free of charge. Customers can use them to pay for services and goods, to deposit finance into an account and receive money from an ATM.

The credit card offers favorable credit conditions to bank customers, it is similar to the offer from Maestro Momentum. It is a loan that the client receives on the condition of return and payment within the established limit.

The advantage of the offer is that it is issued on the day of application. In comparison with standard products, the conditions of the Momentum card from Sberbank have only a few restrictions - this makes the offer more popular and widespread.

Product advantages:

fast issuance at the time of contacting the bank;
no payment for annual maintenance and release;
the ability to pay for purchases via the Internet and offline stores;
free activation of Sberbank services for remote account management (in mobile banking or Sberbank online);
the opportunity to use the “Thank you from Sberbank” program for accumulating gift points and purchasing new purchases at their expense;
no commissions for withdrawal and replenishment of funds;
transfers without commissions between Sberbank accounts.

The disadvantages of the proposal include:

inability to use abroad;
charging fees for withdrawing funds from other ATMs;
low security in comparison with other similar proposals;
solution of some issues only in the territorial bank;
low cash withdrawal limits.

Credit and debit cards

The user is issued a Sberbank Momentum debit card in a couple of minutes after filling out the corresponding application, which is issued by bank employees. The advantage is that you only need your passport to complete the application. Immediately after this operation, the client receives an envelope with an account number and a PIN code. A card will be linked to the account number, which will be activated by a 4-digit code entered at the ATM. The main services of the product are payment for purchases in stores, cellular or landline communications at ATMs, utility services and fines.

A credit card is issued also quickly. Interest rate - up to 20% and credit limit is not more than 150 thousand rubles. Sberbank account holders are provided with a free annual service. The main requirements for a potential borrower are age 25-65 years, Russian citizenship, work experience of one year, provided that 6 months of them the citizen worked in one place.

Terms of use of the Sberbank Momentum card

Before you receive a Momentum card from Sberbank, you should familiarize yourself with the terms of its use. After receiving the banking product, you can use it immediately, no separate activation is required for this. The owner must put funds on a debit card in order to pay for services or purchase items by bank transfer.

You will also be provided with a login (identifier) and password to enter Sberbank Online. This is a program by which you can track your finances, manage them and always be aware of your transactions.

With regard to the use of a credit card, after each purchase, the available limit will be reduced by the amount written on the check. The debt can be repaid in any amount, which should not be less than the established limit. After the card is replenished, the limit will increase and it can be used again if necessary.

The process of replenishing an account is no different from using cards from other banks. You can replenish your card account in one of several convenient ways:

non-cash transfer of money from the account of another bank;
transferring funds from one card to another;
making transfers from a simple account in the Savings Bank;
through a terminal or replenishment of the balance at an ATM.

Competitive features of a credit card include:

free maintenance for 12 months and release;
the ability to determine the credit limit depending on the amount of income of the cardholder;
the presence of an interest-free period during which you can use funds without commissions. This period depends on the amount of the limit, it can be 50 days.

From this April (2016) Maestro cards Momentum Sberbank canceled, as an alternative, you can use free cards of Mastercard and Visa payment systems.

Product duration

The front side shows the expiration date of the product. Since its release validity period is one year after that it will need to be replaced. To change an unnamed card to a new one, you will not have to draw up a questionnaire again.

14 days before the end of its service life, a message arrives on the phone with a request to visit a bank branch and receive a ready-made card instead of the old one. A new card is made approximately 7 days before the deadline.

Card service

So, servicing a Sberbank Momentum card includes the following nuances:

Additional opportunities for using the product include remote account regulation in online mode: money transfers, participation in special promotions and discount programs, activation of the Auto Payment service.

Instant money cards are functional and suitable for daily use. Their main advantage is free maintenance and release, convenience with a small financial turnover. If you need to get a more functional banking product that can be used outside the country and perform transactions with large amounts, it is better to use other offers from Sberbank.

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 procedure for receiving, there is nothing surprising in the fact that the Momentum card has a lower cash withdrawal limit from 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 the service 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 clarify with the 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.

Sberbank of Russia credit card credit cards

Sberbank claims that if a client issues a Sberbank Momentum card, this will make his life easier and more convenient. And in some part this is true.

The Momentum card is a universal card of Sberbank, which is issued at the request of the client within a few minutes and is intended for transactions in the territory of the Russian Federation, on the Internet and abroad.

Sberbank issues two types of cards:

Debit card - "Momentum" Visa and MasterCard
Universal credit card - Visa and MasterCard Momentum cards

1. Debit cards "Momentum" of Sberbank

The appearance of the Sberbank Momentum card is slightly different from what a standard bank card looks like and what information is on the card. Sberbank's Momentum debit card looks like this:

Sberbank debit card Momentum

So, on the instant card there is no information about its holder, that is, the Last Name and First Name of the client are not indicated, instead, an entry is made on the card - MOMENTUM, which, as it were, emphasizes its instant status.

And the rest of the card is standard, which is marked on the card - STANDARD. The card number and expiration date (expiry date) required for making online payments are located in the usual place.

Standard (from the English standard - norm, sample) in the broad sense of the word - a sample, standard, model, taken as initial for comparing other similar objects with them.

As Sberbank explains in section B-O, the Sberbank-Maestro Momentum debit card has a feature - it is impossible to receive cash abroad using it.
Available card transactions
Momentum cardholders have the opportunity to carry out the following banking operations:

Withdrawal and acceptance of cash.
Receipt of transfers, incl. from their cards of another level;
Making payments online or at points of sale;
Sending transfers to cards of any level issued by different institutions;
Payment to institutions by details;

Fees for transactions with the Momentum debit card
Commissions for transactions from accounts using cards:

Receiving money at a branch or ATM of Sberbank: free of charge;
When exceeding the daily limit: 0.5%;
Upon receipt through a branch of Sberbank belonging to another territorial body: 0.75%;
Receipt at another organization (ATM): 1%;
Acceptance of funds for crediting to the card account - free of charge;
Acceptance of funds for crediting to a card account in another territorial bank - 1.25% of the amount, min 30 rubles, max 1000 rubles
Sending money through another territorial division of Sberbank: 1.25%;
Cashless transactions at retail points of sale: free of charge.

You can issue a Momentum card, provided that the client takes several steps:

Contact any branch of Sberbank.
Present an identity document.
Will sign the necessary documents.

You can top up your Momentum debit card through:

Sberbank Online - You can transfer money from card to card in the Internet bank and mobile application
Mobile bank - Top up the card with one SMS command to number 900
Self-service devices - Transfer money to a card at an ATM or terminal.

2. Visa and MasterCard Momentum credit cards

The appearance of the Visa and MasterCard Momentum Sberbank credit cards also looks slightly different from the standard ones:

Credit card Sberbank Momentum

There is no information about its holder on the card, that is, the Last Name and First Name of the client are not indicated, instead, an entry is made on the card - CREDIT MOMENTUM, which, as it were, emphasizes its instant credit status.

A Momentum credit card can only be issued if there is a personal offer previously approved by the bank, provided that the client:

Receives a salary or pension on a Sberbank card;
Uses a Sberbank debit card;
Has deposits in Sberbank;
Arranged a consumer loan.

Fees for transactions with the Momentum credit card:

For the issuance of cash through a cash desk or ATM of Sberbank / a subsidiary bank - 3% of the amount, but not less than 390 rubles.
For the issuance of cash through a cash desk or an ATM in other credit institutions - 4% of the amount, but not less than 390 rubles.
Carrying out non-cash transactions for servicing cards at trade and / or service enterprises - no commission.

Conditions for issuing Momentum cards

The main parameters and conditions for issuing and servicing a Sberbank instant card look like this:

№№	Parameters and conditions for issuing a Momentum card	Debit card	Credit card
1.	Payment system	Visa, MasterCard	Visa and MasterCard
2.	Card account currency	rubles, US dollars, euros	Only in rubles
3.	Card issuance period	10 minutes	15 minutes at the branch
4.	Card expiry date	3 years	3 years
5.	Annual service fee and card reissue	is free	Free (next reissue is not provided)
6.	The cost of issuing a card	is free	is free
7.	Additional cards	Not issued	No
8.	Age of the client at the time of issuing the card	From 14 years old	From 21 years old (up to 65 years old)
9.	Registration of a client on the territory of the Russian Federation.	Permanent or temporary residence	Permanent or temporary registration in any locality of the Russian Federation. Citizenship of the Russian Federation.
10.	Bonus program "Thank you from Sberbank"	Yes	Yes
11.	Credit limit	Not	up to 600 thousand rubles
12.	Loan interest rate	40% per annum (with unauthorized overdraft)	23.9% per annum
13.	Grace period for loans	-	up to 50 days

Limits on Momentum cards of Sberbank

Sberbank of Russia has set the following limits for transactions with Momentum cards:

№№	Momentum card limits	Debit card (rubles, US dollars, euros	Credit card (rubles)
1.	Monthly limit for cash withdrawals through cash desks and ATMs of the Bank	100 000 rub. or USD 3,000 or EUR 2,500	-
2.	Daily limit for issuing cash at the bank's cash desks	50 000 rub. or equivalent in foreign currency	150 000 rub.
3.	Daily cash withdrawal limit at the cash desks of subsidiary banks/other credit institutions	missing	150 000 rub
4.	Daily cash withdrawal limit at ATMs of subsidiary banks/other credit institutions	50 000 rub. or USD 1,600 or EUR 1,200	150 000 rub
5.	Daily cash withdrawal limit at the Bank's ATMs		50 000 rub
6.	Daily limit for issuing funds without using a card through the cash desks of territorial banks not at the place of account maintenance	50 000 rub. or USD 1,600 or EUR 1,200	-
7.	Limit on operations for accepting cash to be credited to the card account via OKR per day	RUB 10,000,000 or equivalent in foreign currency	RUB 10,000,000
8.	Limit on making payments for goods and services per day	100 000 rub. / 3,500 USD / 2,500 EUR	Limit is not limited