What is Mobile Bank? "Mobile Bank" service: connection, disconnection, tariffs and transfers

The "Mobile Bank" service from Sberbank is a convenient service for any owner of a plastic card. Let's talk about how you can connect and disconnect the service, as well as its cost.

Sberbank is committed to making life easier for its customers. Therefore, more and more new services are emerging. An example is the Mobile Bank service, which allows you to pay for a variety of services and make transfers to other accounts right from your home. Depending on the type of card, the cost of the service is 30 or 60 rubles per month.

What can I pay for?

"Mobile Bank" is a very simple and convenient to use service for all holders of plastic cards. With the help of such a service, a client of a financial institution is given the opportunity to access his accounts from the phone.

Thanks to the modern system, within the framework of the service, you can pay for cellular communications, the Internet, rent bills, credit fees, transfer money to a deposit, and make transfers from card to card.

How does the service work?

The service works so that the client has all the possibilities to quickly learn how to handle the system and perform exactly the operations that are required. Another important fact is that all information about the operations being performed is saved, so the cardholder always remains aware of the state of his account. To fully understand what "Mobile Bank" is and how it works, you need to use this service yourself.

How can I connect?

The Mobile Bank service can be connected in several ways:

1. You can contact the bank directly. It is required to provide the operator with a passport and fill out an application for connection. The service is possible only if it is provided for under a contract that is available to the client.
2. You can connect yourself using the self-service device. They can be found almost everywhere, so it is not necessary to go to a bank or an ATM. It is important to note that "Mobile Bank" in this case will connect only to one card. In other words, if you need to connect several cards, you need to perform an operation for each of them separately. In addition, the bank will charge a subscription fee separately for each of the cards.
3. Finally, the service can be connected when contacting customer support. To do this, the operator will need to dictate the card number, as well as passport data, since for identification, he can ask questions concerning passport data, date of birth or address.

Regardless of the way in which the client connects the service, it is activated within three days from the date of the request.

How to understand that the service is really active?

What is the "Mobile Bank", and how to connect it we already said, but how do you understand that the service is active and you can use it?

As soon as the service is activated, the client immediately receives a message to his phone. It begins with the words: "Dear customer! The service "Mobile Bank" (package name) is connected to your card ... "

Then it is suggested to cancel the service connection if the client did not connect it. You can do this within two hours of receiving the message.

Then begins the transfer of all the cards available to the client and the status of the service. The status can be on or on. Also, the transfer is carried out with indication of the payment system to which it relates and the last four digits of the number.

After such a message comes, the client will be able to independently understand what the "Mobile Bank" is, and start actively using its advantages. In addition, the service can be used to lock the card if it has been lost or stolen.

When using the service, attention is necessary because fraudsters do not slumber and often pretend to be "banking robots". Thus, the client receives a message with a request to write a secret code, card number or make a transfer. "Mobile Bank" works only with the number 900, so if the message comes from another number, then do not pay attention to it.

What else should the customer know?

First of all, this is that a monthly fee is automatically charged for the service. In the absence of funds on the card, the service is temporarily blocked, and a notification about the limitation of its operation will be sent to the phone. In the future, when receiving a transfer or an independent replenishment of the card, the service fee will be written off independently, and it will again become active. A client will also be notified of this. These processes are fully automated, and the client does not need to do anything for their work.

The amount of service fee depends on which tariff plan the client has chosen. There are only two of them:

1. Full "Mobile Bank" - the fee for it is 30 or 60 rubles per month, depending on the type of card.
2. Economical "Mobile Bank" - the service is provided free of charge, but each request will cost 3 rubles, and the extract for the last 10 transactions - 15 rubles.

Is it safe to use the service?

To answer this question, you should know what "Mobile Bank" is. But we have already found out. This service gives customers a lot of opportunities to use their funds in the accounts, so the security system must be at the highest level, because the attackers always try to find easy ways to profit.

No one should tell their passwords and session keys, because even the bank's employees do not have such information. It must be ensured that the keys are provided to you in a closed envelope. If you lose keys or suspect that they may be in the hands of intruders, then you should contact the bank for new passwords.

What it takes to avoid becoming a victim of scammers?

"Mobile Bank", of course, is safe to use, so here everything depends on the client. To avoid getting trapped and not to become a victim of scammers, remember that the bank never asks for the full card number, since only the last four digits are used for queries. In addition, employees of the bank or SMS-service never ask to enter a PIN-code, since it is used only at ATMs, and the customer always enters it himself.

You should always look at what number the message came from. All messages from Sberbank come only from number 900. In this case it will be safe to use "Mobile Bank".

Rates

To date, Sberbank offers two tariff plans for its customers - a complete and economical package.

Under the full package, a monthly subscription fee for the use of the service is assumed. In this case, the client does not have to pay for sending various SMS-requests, and messages about the expense and arrival to the card come automatically. To date, the cost of such a package is 30 or 60 rubles per month. The funds are withdrawn from the customer's account in automatic mode. If there is a situation when there is no money on the card, the service will be blocked, and after the appearance of the funds, the blocking will be canceled.

At the Economy Tariff, the subscription fee is not debited, but most SMS inquiries become paid, for example, to get information about the last 10 transactions, you have to spend 15 rubles.

How to disable the Mobile Bank?

This is not so difficult as it may seem. There are three options:

1. To apply to the bank branch and write an appropriate application, after which the bank's employee will be operated. The client must present a passport so that the bank employee can perform identification. The service will be disconnected within three days. The customer will receive a message on the phone.
2. Call customer support and ask the operators to turn off the service. The employee will also perform identification, but already asking questions. To disable the service, you must clearly follow the operator's instructions. After disconnecting the client also receives a message on his phone.
3. You can perform this operation through a self-service device. But such a scheme will not be the most reliable, since the client will not have any official confirmation that he really disconnected the service. And given that Sberbank reluctantly removes unnecessary services to customers, they can simply forget about such applications through terminals.

A very important point is that the service should necessarily be disconnected from the cards that the client no longer uses, since then unpleasant moments may appear. For example, charging service fees and so on.