Virtual card of the Savings Bank: registration

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

What is the map and what is it for?

Special card for fast and securePaying for online purchases is a virtual card. Sberbank and other banks thus make it possible to pay for their stay at the hotel, make purchases at various online stores, and also buy tickets for airplanes or trains. In addition, the data on your map does not have to be specified.

As a rule, a virtual card does not possessa physical carrier, that is, instead of the usual rectangular piece of plastic, the client is provided only with the requisites required to pay for services via the Internet. These include the card’s expiration date, its number and a three-digit security code.

How to issue a card?

Receiving such a card does not imply anycomplex procedures. This can be done even through the Internet, ATM, instant payment terminal or by phone. Each of the banks has its own method of registration, so you should first clarify which one is used in your choice. Most financial institutions have several methods of opening such cards.

Sberbank virtual card is not issuedphysically, but there are financial institutions that do it. But here everything is a little different than with a regular map. The client is given a regular piece of plastic without any hologram, magnetic stripe or chip. The pin-code in this case will also be absent, since it is impossible to withdraw cash and pay for purchases in regular stores with such cards. The front side has all the necessary payment details: the card number itself, its validity period, security code, as well as the name of the holder. To order such a card, you just need to call, but you will need to contact the bank for a receipt. Then you will be given a virtual card of Sberbank. Registration takes only a couple of minutes.

Some credit organizations even opena separate account for a virtual card; others require an existing account or a valid card. And for some banks, such a card is issued as an additional card to an existing one.

How safe is the use of a virtual card?

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

If the client wants to deposit into the accountlarge amount, most banks allow you to set a certain limit, more than which can not be spent. Some financial institutions set a maximum limit on the expenditure of funds per month independently.

Some banks also give permission to block and unblock the card as needed, while others only allow closing.

How can I replenish a virtual card?

Due to the modern banking system to committransferring funds from your account to a virtual one or simply depositing cash on it is no longer a problem. This can be done through an ATM, online banking service, at the box office, via SMS informing and so on.

What currency is the account opened in?

Usually the bank does not charge a fee for payments.via the Internet on a virtual map. If it is, then in a small amount. Special attention is given to such operations in which the currency of the account and the purchase do not match. In such situations, the bank will be charged for the conversion. For this reason, the majority of users who actively buy something on the Internet, issue several cards in different currencies at once.

Using a virtual card via the Internet

Sberbank virtual card and its useover the Internet are very relevant today. As the statistics of payment systems shows, today there is a steady increase in sales through the Internet. Just three years ago, our country became one of the five leaders in virtual shopping. Online stores offer many options for paying for purchases. Banks, respectively, is developing new tools. One of them is the Sberbank virtual card.

Details for calculations

The very name of the card speaks for itself. It can not be held in hand, carried in hand or in wallet, but some banks also provide for a plastic option. Despite the fact that the official website of Sberbank has photographs of samples of plastic virtual cards, in reality, these products do not have physical media. Virtual payment instruments are intended only for paying for purchases on the Internet.

Sberbank's virtual bank card, likeany other has a sixteen-digit number, a validity period, and a three-digit security code. When making a card, the last requisite can be received on a mobile phone by sending an SMS message. In addition, the name and surname of the cardholder is also indicated when placing the order. They must be written in Latin letters.

What are the terms?

Sberbank virtual card issued validBank customers who have a debit card in their hands at this financial institution, issued as part of a universal banking service agreement. In addition to all this, the holder must activate the SMS information service and register on the Internet bank.

Many customers ask: how to get a Sberbank virtual card? To do this, it is enough to contact the Sberbank contact center and dictate the details of the plastic debit card. If necessary, you can also block previously issued copies and order reissue of the card ahead of time. Unfortunately, today virtual cards are provided only to Moscow residents.

Pilot card use

It is also worth saying that bankingSberbank tariffs project of virtual cards is still negotiated as a pilot. Judging by the reviews of customers who already use such cards, bank specialists have something to refine. It is necessary to eliminate technical overlays, to study the desires of consumers, in general, to bring products to perfection.

To date, the virtual card of Sberbankis issued only in ruble equivalent, it is valid for three years, and the service costs 60 rubles. The card is reissued free of charge, but when conducting this operation due to a change of name, a fee of 30 rubles is charged.

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

Operations on such cards can be carried out inrubles, dollars and euros. The amounts of debits and credits to the accounts during the conversion are calculated by separate formulas for each currency. Exchange rates are determined daily by the bank. When spending transactions in euros using Visa cards, the conversion fee is also added to the purchase amount. It is 0.65% of the amount debited.

How to open a prepaid Sberbank virtual card?

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

Any client can make unlimitednumber of cards. The maximum limit on the account is the amount of 15 thousand rubles, and the minimum is 200. For the reason that the card is not personalized, its registration is possible without documents. It just needs to be activated. 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 provided. You can look at the account balance on a special Sberbank website or find out in the contact center.