Virtual card of the Savings Bank: registration

Of all the banking products available today , plastic cards are the most popular. They almost do not differ both in appearance and in methods of use. But there is also a so-called virtual card, which should be discussed separately.

What kind of map is it and what is it for?

A special card for quick and safe calculation for purchases over the Internet is a virtual card. Sberbank and other banks thereby provide the opportunity to pay for a stay in the hotel, make purchases in various online stores, as well as buy tickets for airplanes or trains. In addition, there is no need to indicate the data on your map.

As a rule, a virtual card does not have a physical carrier, that is, instead of the usual rectangular piece of plastic, the client is provided with only the requisites necessary to pay for services via the Internet. These include the validity period of the card, its number and security code of three digits.

How to apply for a card?

Getting such a card does not imply any complicated procedures. This can be done even through the Internet, an ATM, an instant payment terminal or by phone. Each of the banks has its own way of processing, so you should first specify which one is used in the chosen one. Most financial institutions have several methods for opening such cards.

The virtual card of the Savings Bank is not issued physically, but there are financial institutions that do it all. But here everything is a little different from the usual map. A normal piece of plastic is provided to the customer without any hologram, magnetic stripe or chip. The PIN-code in this case will also be absent, since you can not withdraw cash and pay for purchases in ordinary stores using such cards. The front side has all the necessary payment requisites: card number, expiration date, security code, and holder's name. To order such a card, it's enough just to call the phone, but you will need to contact the bank for the receipt. Then you will be given a virtual card of the Savings Bank. Registration takes only a couple of minutes.

Some credit institutions even open a separate account for a virtual card, in others they require an existing account or a valid card. And for some banks, such a card is issued as an addition to the already existing one.

Is it safe to use a virtual card?

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

In the event that a client wants to deposit a large amount into the account, most banks allow you to set a certain limit, which you can not spend more than. Some financial institutions set a maximum limit on the amount spent per month independently.

Some banks also give permission to lock and unlock the card as needed, while others allow only closure.

How can I top up my virtual card?

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

In which currency is the account opened?

Usually, the bank does not charge a commission for payments via the Internet on a virtual card. In case it will be, then in a small amount. Special attention should be paid to such operations, in which the account currency and purchases do not coincide. In such situations, the bank will be charged a conversion fee. For this reason, most users who actively buy something on the Internet, draw up several cards in different currencies.

Using a virtual card over the Internet

The virtual card of the Savings Bank and its use through the Internet are very actual for today. As the statistics of payment systems shows, today there is a stable increase in the volume of sales via the Internet. Literally three years ago our country became one of the five leaders in virtual purchases. Internet shops offer customers a variety of payment options for purchases. Banks, accordingly, are developing new tools. One of them is a virtual card of the Savings Bank.

Payment requisites

Already one card name speaks for itself. You can not hold it in your hands, carry it in your hands or in your wallet, but some banks also have a plastic option. Despite the fact that on the official website of Sberbank there are photos of plastic virtual cards, in reality these products do not have physical media. Virtual payment tools are intended only for payment of purchases on the Internet.

The virtual bank card of Sberbank, like any other, has a number consisting of sixteen digits, validity period and security code of three digits. When making a card, you can receive the latest props to your mobile phone by sending an SMS message. In addition, the surname and name of the cardholder is also indicated when placing an order. They must be written in Latin letters.

On what terms is it granted?

The virtual card of the Savings Bank is issued to current customers of the bank, who have a debit card of this financial institution, issued under the universal banking agreement. In addition to this, the holder must activate the SMS-notification service and register with the Internet bank.

Many customers ask themselves: how to issue a virtual card of the Savings Bank? To do this, just contact the Sberbank contact center and dictate the details of the plastic debit card. If necessary, it is also possible to block previously released copies and order re-issue of the card ahead of schedule. Unfortunately, to date, the provision of virtual cards is only for Moscow residents.

Pilot card use

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

To date, the virtual card of the Savings Bank is made only in ruble equivalent, it operates for three years, and the service costs 60 rubles. Re-issuance of the card is free of charge, but when carrying out this operation, a commission of 30 rubles is charged in connection with the change of name .

Also on the operations that are conducted through the Internet, a certain daily limit is established. It is not more than three hundred thousand rubles per day.

Operations on such cards can be carried out in rubles, dollars and euros. The amounts of write-offs and transfers to accounts when converting are calculated by separate formulas for each currency. Exchange rates are determined daily by the bank. When spending operations in euros on the "Visa" cards, the conversion fee is also added to the purchase amount. It is 0.65% of the write-off amount.

How to open a pre-paid virtual card of Sberbank?

This bank also provides such cards. They have a "Visa" payment system. They also lack a traditional plastic carrier, and they are designed to pay for purchases on the Web.

Any client can draw an unlimited number of cards. The maximum limit for the account is the amount of 15 thousand rubles, and the minimum - 200. Because the card is not registered, it can be issued without documents. You just need to pass activation. The card issue is free, there is no commission for annual maintenance.

But, unfortunately, the replenishment of the balance of an already issued account is not foreseen. The balance of the account can be viewed on a special savings bank site or found in the contact center.