Sberbank youth card check. Sberbank Youth Card: overview, conditions for obtaining, main features

By issuing a youth card, Sberbank forever dispelled the stereotype that only adult citizens can have a bank account. Thus, any teenager can control their finances, make non-cash purchases in stores or on the Internet, and also perform other manipulations with money. And all this became possible thanks to the introduction of youth cards.

Sberbank offers three youth cards:

1. Youth 14+.
2. Youth 18+.
3. And Youth Credit 21+.

The first two are debit, and the last is credit. Debit cards do not have a credit limit that would allow you to use bank funds if your own savings are insufficient. The validity period of the above cards is three years - the standard period for all Sberbank plastic media.

Sberbank youth debit card

As mentioned above, youth debit cards include “Youth 14+” and “Youth 18+”. Sberbank does not provide owners of these cards with the opportunity to use credit money, since it has no guarantees regarding the solvency of the teenage group of the population.

A youth card is issued exclusively at bank branches. Citizens of the Russian Federation aged 14 to 21 can open this plastic wallet.

Unlike a youth credit card, a debit card does not require income statements or other papers. Registration occurs by filling out a special form and providing a passport. The card is produced within two weeks. You will be informed about its readiness by phone or sent an SMS message.

Sberbank youth credit card

The Sberbank youth credit card allows you to go “in the red”, that is, use credit funds.

This card is issued both at a bank branch and online.

The algorithm for submitting an application for opening is as follows:

Go to the "Credit Cards" section.

A bank employee will contact you within a few hours to clarify the details.

The application is processed within two days, and the production itself can last several weeks. Please note that this card can be issued to citizens aged 21-25 years who have shown a certificate of income or scholarship.

Youth card in Sberbank Online

As expected, holders of debit and credit youth cards can use the service, as well as activate the Mobile Bank service.

By registering with Sberbank Online, the client has the opportunity to make any manipulations with money via the Internet: make transfers, top up a mobile phone account, pay for utilities and much more.

The instructions are as follows:

1. Hover your cursor over the “Select Card” menu item.
2. Next, on the right side of the drop-down context menu, click on “Cards with custom design.”
3. On the page that opens you will see the “Apply card” button - click on it.
4. Select the type of future card.
5. Now move on to the design creation section.
6. Click the "Continue" button if you are finished editing.
7. Look at the created map, click “Continue” again.
8. Next, you should enter the data in the fields provided.
9. At the last seventh stage, complete the application by clicking the appropriate button.

Servicing Sberbank youth card

As mentioned above, the cost of servicing a youth debit card is only 150 rubles per year, and a credit card is 750 rubles per year.

Debit cards are serviced only on the territory of the Russian Federation, and credit cards are also serviced abroad, which is a big plus.

Sberbank's portfolio of services includes offers that take into account the interests of all segments of the population and their needs. Among the most interesting offers for young clients are special plastic cards issued specifically for this age category. The Sberbank youth card allows you to choose one of three types, based on the client’s age: over 14, 18 and 21 years old.

Depending on customer needs, plastic can be debit or credit. The description of the parameters contains favorable service conditions and a wide range of usage possibilities. A separate advantage is the low cost of servicing international Visa and MasterCard cards, which operate not only within the Russian Federation, but also abroad.

Types of youth cards

Meeting the modern needs of citizens, the Sberbank youth debit card is issued at the independent request of young clients. To become a youth card holder from the age of 14, it is enough to be the owner of a Russian passport, first issued at this age.

For young clients, the card is available in a classic version or with an individual design. Depending on the age of citizens, the right to choose the issue of debit or credit option is assumed:

1. Debit plastic for storage and use in the calculation of own funds can be issued without waiting for adulthood, from the age of 14.
2. The credit card becomes available upon reaching 21 years of age, and there are no special requirements for employment. A line of credit can be negotiated even for full-time students.

Some of the advantages of the youth cooperation program in 2018 are the provision of wide functionality, participation in bonus programs and promotions supported by Sberbank and the international payment systems Visa and MasterCard.

Debit plastic covers the cooperation of clients in age groups up to 25 years old or in the range of 18–27 years old.

Ensuring a high level of protection of funds from unauthorized access by outsiders is worthy of special attention. The youth card from Sberbank Visa is equipped with a special chip. For this reason, even the loss of plastic carries minimal risks of loss of funds on the holder’s balance sheet. In the future, when you contact the nearest branch of a financial institution, a reissue will be organized.

Thus, starting from the age of 14, a young citizen has access to the broadest opportunities for independent management of his own savings; the special presence of parents in a bank branch is not required when filling out an application for graduation.

The peculiarity of the offer lies in the maximum simplicity of design and use of plastic. To issue a classic debit card, you only need a passport. Applying for a credit card is a little more complicated due to the need to conduct a simplified verification of the candidacy of a potential borrower.

The scheme for organizing the issuance of debit plastic is presented in three steps:

1. Visiting the office with a passport of a citizen of the Russian Federation (everyone after 14 years is required to receive this document) at the place of permanent registration.
2. Compiling a Sberbank client questionnaire (this step can be completed in advance online from the official Internet resource of the SB of the Russian Federation).
3. Receipt of the product after a preliminary SMS notification about its readiness (the notification is sent to the phone number specified in the application form).

After the card is issued, the holder can freely manage his finances within the account balance through the Sberbank Online service or mobile bank. The operating conditions of the card allow you to use the card to receive transfers from individuals, employers, and government organizations.

Sberbank has developed the following conditions for the use of plastic products for young people:

1. The service fee is only 150 rubles for 1 year.
2. The opened card is valid for 3 years from the date of issue.
3. You can reissue the card at the end of the validity period for free.
4. Issue for replacement in case of loss or theft - 150 rubles.
5. For those wishing to have a card with visual differences, an individual design is offered with an additional payment of 500 rubles per issue.
6. Withdrawals via debit card are free of charge.

During use, the holder of the plastic card has the opportunity to freely manage funds in the Internet space. To achieve this, the bank has provided the ability to work with mobile banking and online banking. Students, students, as well as working youth can pay with a card in any corner of the country, as well as during long trips to foreign countries.

Upon reaching the age of 21, young people have the opportunity to get credit, having a certain amount of the agreed limit on bank funds. The bank puts forward a minimum set of requirements that a future credit card holder must meet:

1. Availability of official income, confirmed by a certificate from the employer or educational institution (if the income is a scholarship). The document must reflect information about earnings for the last six months.
2. Submitting an application is possible only in the region where the bank operates if the applicant has a permanent residence permit.

The process of considering a candidacy takes no more than 2 working days, followed by notification of the citizen about the decision made. The period allocated for issuing a youth credit card depends on the remoteness of the place of application, other circumstances and on average does not exceed 14 days.

How long does it take to make a card?

The future card holder should ask the service manager about the time frame for receiving the card. The department specialist will tell you how to check the readiness status of the plastic, based on specific circumstances:

1. If you have access to Internet banking, you can find out about your readiness through your Personal Account.
2. Via SMS notification to the linked mobile number.
3. Come to the branch in person on the appointed date.

As a rule, Sberbank plastic is issued quite quickly, within a few days. However, custom designs can take up to 3 weeks or more.

How much does a Sberbank youth card cost?

For young people, mobility, speed, a wide range of opportunities and benefits are primarily important. If a standard issue is carried out free of charge, then the desire to individualize the appearance of plastic entails costs - an issue in your own design will cost 500 rubles.

In the future, the fee for servicing the card for young people will be uniform and amount to 150 rubles, which is much more profitable than issuing a regular “adult” plastic card.

When planning to order an individual design, the customer should remember the established ethical framework that must be observed: any image can be applied to the plastic, with the exception of pictures with alcoholic beverages, pornographic content, and other images protected by copyright.

Raising borrowed funds involves possible additional costs, based on established lending rules:

1. The funds limit is no more than 200 thousand rubles (at the discretion of the financial institution).
2. The rate for using the borrowed amount is 33.9 percent on an annual basis.
3. You can avoid overpayment of interest by using the grace period wisely - no interest is charged during the 50-day period for using a loan in a non-cash manner followed by quick repayment of the debt.
4. If the borrower decides to withdraw money from the terminal, the commission will be 390 rubles or 3 percent of the amount.

When collecting information about the price of servicing a youth banking product, you must remember that the tariff of 150 rubles per year is set exclusively for debit plastic.

The credit card holder should be prepared to pay 750 rubles for annual service.

It is difficult to list all the advantages of youth plastic. In addition to gaining the right to freely pay in stores, young citizens have the opportunity to make their first savings, as well as manage funds through a mobile application or the Internet. Connecting to the “Thank you from Sberbank” program allows you to receive additional benefits in the form of accumulated discount points from a wide network of partners.

The only restrictions include the age of credit card holders - it cannot exceed 30 years. There are also some conditions for using the credit and debit options.

Assessing the pros and cons of the client’s service conditions, it becomes obvious that Sberbank has provided for all the basic needs for non-cash spending of funds, including the possibility of lending for those who are applying for a loan for the first time and have zero credit history.

• Receiving cash in Russia and in subsidiary banks abroad on the same terms Subsidiary banks of Sberbank of Russia OJSC: SB Sberbank JSC (Kazakhstan), Sberbank of Russia JSC (Ukraine), BPS-Sberbank OJSC (Belarus), DenizBank A.S. (Türkiye), Sberbank d.d. (Croatia)
• Bonus program “Thank you from Sberbank”
• Discount and privilege programs from international payment systems Visa Intl. (www.visa.com.ru) and MasterCard Worldwide (https://www.mastercard.ru/)
• 24-hour service through the contact center of Sberbank of Russia
• Emergency cash withdrawal service in case of card loss abroad
• Account management and payments and transfers through remote services “Mobile Bank” and “Sberbank Online”
• “Autopayment” for paying for cellular communications, housing and communal services and other services
• Conducting online transactions in a secure mode using 3D-secure technology (Verified by Visa and MasterCard SecureCode)
• Cashless payment for goods and services at ATMs, self-service devices and via the Internet both in Russia and abroad
• Top up your card in cash or by non-cash method (transfer to card)
• Payment transactions using card details (by email or phone)
• Linking the card to electronic wallets, for example, Yandex.Money
• Possibility of making a card in an individual design

Client requirements:

• citizenship of the Russian Federation;
• age from 14 to 25 years;
• permanent registration on the territory of the Russian Federation.

The decision to issue cards to non-residents of the Russian Federation and persons without permanent registration is made by the bank individually.

To issue a card:

1. Contact any Sberbank branch convenient for you. A card with an individual design can be
2. Provide a passport of a citizen of the Russian Federation.
3. Sign the required documents (when applying remotely, all documents are provided/signed upon receipt of the card).

We will issue you a card, which you will need to pick up at the same branch.

• Tariffs for issuing and servicing Visa "Molodezhnaya" and MasterCard "Molodezhnaya" debit cards with individual design

There are several ways to replenish your Sberbank card:

1. Make a cashless transfer from a Sberbank debit card:
   - using the online service “Sberbank Online”;
   - using the Sberbank OnL@yn mobile application for smartphones;
   - using the SMS service “Mobile Bank”;
   - using ATMs or payment terminals of Sberbank.
2. Deposit cash into your card account at a payment terminal or ATM with a cash-in function
3. Make a non-cash transfer of funds to your card account from other accounts, including through third-party banks

   To make a non-cash transfer, you must indicate the details of Sberbank of Russia or the details of the corresponding territorial bank of Sberbank of Russia that issued the card.
   The purpose of payment must indicate:

   FULL NAME. client (entirely);
   - card number;
   - Account number.

   Enrollment deadlines

   The money will be credited to the account no later than the next business day from the date the funds are received at the Sberbank of Russia branch.

4. Take advantage of the special services “MasterCard MoneySend” and “Visa Payments and Transfers”

   Services “MasterCard MoneySend” (www.mastercard.com/ru/consumer/money-send.html) and “Visa Payments and Transfers” (www.visa.com.ru/uv/vpp/info.html) are convenient and a quick way to replenish your Sberbank card account in cash or by non-cash transfer of money from MasterCard® or Visa cards of other banks to any Sberbank card of the same payment system.

   To make a transfer, it is enough to know the recipient's card number.

   Services available:

   At ATMs;
   - in the Internet;
   - on a smartphone (for example, through the MasterCard Mobile application);
   - in self-service terminals that support this service.

   note: money will be credited to your account in a period from 2 minutes to 3 days.

5. Topping up a card at a Sberbank branch with the help of an employee:

   By card number: just indicate the card number and provide your passport.
   - To the card account number (only in rubles): you must indicate the details of the territorial bank of Sberbank of Russia - the issuer of the credit card and the number of the account being replenished.

   Information about completed transactions and the total balance on Sberbank cards is always available through several channels:

   By mail or e-mail (your choice), Sberbank sends a monthly report on the card;
   - SMS notifications are sent to your mobile phone as part of the Mobile Banking service;
   - in the Internet bank “Sberbank Online” you can independently generate a report for the period of interest;
   - at the contact center of Sberbank of Russia.

Young people value comfort and reliability when making purchases. Domestic bankers have prepared the best bank cards of 2019. The main feature of such options is low service fees and maximum benefits in calculations.

Youth card from Sberbank

In the line of Sberbank banking products, every client will find a suitable option. The bankers also thought about the youth. A Youth Card has been prepared for them. The highlight of the offer is individual design. You can select it yourself from the bank catalog or upload an image from your computer or social networks.

The conditions for using a debit card are also attractive:

• service - 12.5 rub. monthly;
• release of a copy with an individual design – 500 rubles;
• user age – 18-25 years old;
• Installing a mobile application on your device is free;
• validity - 3 years;
• production time – from 3 to 14 days.

Refunds to Youth Card holders to 10% from the amount of purchases in the form of bonuses within the “Thank you” program.

Debit version of Mastercard Standard Next from Alfa Bank

• service - 99 rubles monthly;
• the ability to connect additional cards for free;
• number of additional options – 1 piece;
• accrual of interest on remaining funds – 4% ;
• SMS informing – 59 rubles monthly.

Annual interest on the balance is accrued to the youth card client on a monthly basis.

A service fee is not charged to a person if:

• receives on the bank's salary card more than 40 thousand salaries and pays monthly purchases in the amount of more than 15 thousand;
• spends on shopping every month minimum 10 thousand, and the minimum monthly balance exceeds 30 thousand.

Youth card of Rocketbank “Otkritie-Rocket”

Youth cards also include another product serviced by Otkritie Bank, only this time under the Rocketbank brand.

The conditions for this card include:

• 6.5% per annum on any balance.
• Cashback up to 10%.
• Free service.
• Free replenishment from 5 thousand rubles and free withdrawal up to 5 times a day.
• The transfer fee is 1.5% for any cards from other banks.

These conditions apply to the free plan. The paid tariff (290 rubles per month) is distinguished by the possibility of free transfer of funds to cards of other banks, free replenishment within any limits and twice the frequency of free withdrawals from ATMs.

It is also possible to open deposits directly in the bank’s proprietary application.

Touch Bank World Mastercard from Touch Bank

Touch Bank offers the Touch Bank World Mastercard option for young people with the Daily tariff. This is a multi-currency card. Its holder can open an account in rubles, pounds sterling, dollars, euros.

Holders of Touch Bank World Mastercard receive:

• cashback – 3% for spending in your favorite categories, 1% - for other purchases;
• free cash withdrawal at ATMs of any country;
• interest on balance – up to 8%;
• interest payment - daily;
• free translations;
• free replenishment;
• SMS notification – 60 rubles monthly.

Service cost – 250 rubles monthly. The fee is not debited if the average daily balance more than 50 thousand, or the amount of expenses for the month exceeded 30 thousand.

RNKO "Payment Center" and MasterCard "Kukuruza"

Holders of MasterCard "Kukuruza" can pay with the card in any store or establishment where payment cards are accepted, and receive it to a bonus account 0,5% amount spent.

Clients can increase the number of bonuses awarded by participating in promotions and/or special programs. For this you need to pay an additional fee.

If the number of bonuses on a client’s account reaches half a million, the accrual of points will temporarily stop until the balance decreases.

Citizens who use a debit copy can:

• use an overdraft;
• monthly up to 30 thousand cash out free of charge, if the amount exceeds the commission will be – 1% (minimum 100 rubles);
• use the mobile application for free;
• set up automatic payments for utilities, telephone.

Not long ago, Sberbank issued a card, the main focus of which is aimed at servicing clients aged 14 to 25 years. The youth card received the highest ratings from users due to its low cost of service, participation and extensive functionality. Numerous holders confirm that the card has many advantages and opens up the widest opportunities for its owner.

Features of the Youth Card from Sberbank

The main feature of the Sberbank youth card is that any teenager or student between the ages of 14 and 25 can become the owner. For the convenience of clients, Sberbank issues a plastic card of two payment systems -.

Since the plastic card is aimed at young clients, it is well suited for making payment transactions, receiving money transfers, including scholarships. Also, when using the card to pay in, the holder is returned from 0.5 to 20% of the funds spent in the form of bonus points of the “Thank you” program. After that, they can be discounted in programs such as and, as well as cafes and restaurants, cinema, taxi, etc. The youth card from Sberbank has the following advantages:

• Possibility to top up through a cash desk at a bank branch or an ATM. You can also make a transfer from another card (not necessarily Sberbank), bank account through the system or Sberbank Online;
• The ability to withdraw cash from an ATM and make transfers to other cards and accounts. Pay for goods and services of stores, organizations and individual entrepreneurs. Pay for purchases in online stores, mobile operators, etc.;
• Manage your card account via remote access (“Sberbank Online”);
• Use short ones that can be sent to Sberbank in the form of an SMS request to receive information or perform banking operations;
• Receive bonuses as part of the "" program from Sberbank. Bonuses are credited to a special account and then used to pay for goods and services at retail outlets that are partners of the bank;
• Take advantage of promotions and special offers of the Visa and Mastercard payment systems, which are carried out for all cardholders of this type.

Card characteristics

Like the others, the Youth Card has its own advantages and disadvantages, as well as the cost of servicing and limits on financial transactions.

Terms of service and basic tariffs:

• The cost of card maintenance is 150 rubles per year;
• Early reissue procedure – 150 rubles;
• The cost of scheduled card reissue is free;
• Ordering an individual design costs 500 rubles.

The youth card allows you to withdraw up to 150,000 rubles per day without commission at bank terminals and cash desks. If the withdrawal amount at the bank's cash desk exceeds the permissible limit, then a penalty of 0.5% of the amount exceeding the limit is charged. If cashing out of funds is carried out at self-service devices of other banks, then a penalty is charged in the amount of 1% of the amount, but not less than 100 rubles, and 1% of the amount, but not less than 150 rubles, if cashing occurs at the cash desk of another bank.

How to apply for a Youth Card

You can apply for a Youth Card at any Sberbank branch. To do this, you need to fill out an application form, which includes personal data (passport, registration and residence address, mobile phone, etc.). A bank specialist will check that the application is filled out correctly and will notify you by phone when the plastic card is ready. Typically, the production time for a card is about 2 weeks. Upon receipt of the card, the owner receives documents for it, as well as for opening a card account.

Young clients also have the opportunity to order a card with an individually selected image or personal photo. This can only be done by submitting an application for a card via the Internet. When the card with an individual image is ready, the bank employee will notify the client. The issuance of such a card may take longer than the production of a standard one.

You can top up your Youth Card from Sberbank in several ways:

• by transferring a scholarship;
• transfer from another card;
• by depositing money into your card account through an ATM or terminal.

friends, parents via SMS.

Receive advice from a bank specialist on all issues, study new bank offers, learn about special offers and promotions.

Facebook

Twitter

In contact with

Classmates

Google+