The Mobile Bank service from Sberbank is a convenient service for any holder of a plastic card. Let's talk about how you can connect and disconnect a service, as well as how much it costs.
Sberbank is committed to making life easier for its customers. Therefore, new services are increasingly appearing. An example is the Mobile Bank service, which allows you to pay for various services and make transfers to other accounts directly from 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 easy-to-use service for all plastic card holders. With the help of this service, the client of a financial institution is given the opportunity to access their accounts from the phone.
Thanks to the modern system, within the framework of the service, you can pay for cellular communications, the Internet, bills for rent, loan installments, transfer money to a deposit, and also make transfers from card to card.
How does the service work?
The service works so that the client has every opportunity to quickly learn how to use the system and perform exactly those operations that are required. Another important fact is that all information about the transactions is stored, so the cardholder always stays informed about the status 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:
- 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 by the contract that the client has.
- You can connect by yourself using the self-service device. They can be found almost everywhere, so it’s not necessary to go to a bank or ATM. It is important to note that in this case the Mobile Bank will connect to only one card. In other words, if you need to connect multiple cards, the operation should be performed for each of them separately. In addition, the bank will also charge a monthly fee separately for each of the cards.
- And finally, the service can be activated by contacting customer support. For this, the operator will need to dictate the card number, as well as the passport data, since for identification he can ask questions regarding passport data, date of birth or address.
Regardless of how the client connects the service, it is activated within three days from the date of application.
How to understand that the service is really active?
What is “Mobile Bank”, and how to connect it, we have already said, but how to understand that the service is active and can be used?
As soon as the service is activated, the client immediately receives a message on his phone. It begins with the words: “Dear customer! "Mobile Bank" service (package name) is connected to your card ... "
Then it is proposed to cancel the connection of the service if the client did not connect it. You can do this within two hours of receiving the message.
Next, the transfer of all the cards available to the client and the status of the service begins. The status can be on (on) or off (off). Also, the transfer is carried out indicating the payment system to which it relates, and the last four digits of the number.
After such a message arrives, the client will be able to independently understand what Mobile Bank is and begin to actively use its advantages. In addition, the service can be used to block the card if it was lost or stolen.
When using the service, you need to be careful, as fraudsters do not doze off and very often pretend to be “banking robots”. Thus, the client receives a message asking them 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 you should not pay attention to it.
What else should a client know?
First of all, it is that a monthly fee is charged automatically. In the absence of funds on the card, the service is temporarily blocked, and a notification about the restriction of its operation will be sent to the phone. In the future, upon receipt of a transfer or self-replenishment of a card, the payment for the service will be debited independently, and it will again become active. The client will also receive a notification about this. These processes are fully automated, and the client does not need to do anything to work.
The size of the service fee depends on which tariff plan the client has chosen. There are only two of them:
- Full “Mobile Bank” - the fee for it is 30 or 60 rubles per month, depending on the type of card.
- Economical “Mobile Bank” - the service is provided free of charge, but each request will cost 3 rubles, and the statement for the last 10 operations will cost 15 rubles.
Is it safe to use the service?
To answer this question, you should know what the "Mobile Bank" is. But we already found out. This service gives customers many opportunities to use their funds in accounts, so the security system should be at the highest level, since attackers always try to find easy ways to make money.
No one should give their passwords and session keys, because even bank employees do not have this information. Be sure to ensure that the keys are provided to you in a closed envelope. If you have lost keys or suspect that they may be in the hands of attackers, you should contact the bank for new passwords.
What is needed to avoid becoming a victim of scammers?
"Mobile Bank", of course, is safe to use, so here everything depends on the client. In order not to get into trouble and not become a victim of fraudsters, it should be remembered that the bank never asks to send the full card number, since only the last four digits are used for requests. In addition, employees of a bank or SMS service never ask for a PIN code, as it is used only at ATMs, and the client always enters it on their own.
You should always look at which number the message came from. All messages from Sberbank come only from 900. In this case, it will be safe to use Mobile Bank.
Tariffs
Today, Sberbank offers two tariff plans for its customers - a complete and economical package.
Under the full package, a monthly subscription fee for using 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. Funds are withdrawn from the client’s account in automatic mode. If a situation arises when there is no money on the card, the service will be blocked, and after the appearance of funds, the block will be lifted.
At the Economy tariff, the subscription fee is not charged, but most SMS requests become paid, for example, to get information about the last 10 operations, you will have to spend 15 rubles.
How to disable "Mobile Bank"?
It is not as difficult as it may seem. There are three options here:
- Contact the bank branch and write the appropriate statement, after which the bank employee will perform the operation. The client must present a passport so that the bank employee can carry out identification. Deactivation of the service will be made within three days. The client will receive a corresponding message on the phone.
- Call customer support and ask operators to turn off the service. The employee will also carry out identification, but already asking questions. To deactivate the service, you must clearly follow the instructions of the operator. After disconnecting, the client will also receive a message on his phone.
- You can perform this operation through the 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 turned off the service. And given that Sberbank is reluctant to remove unnecessary services to customers, they can simply forget about such applications through terminals.
A very important point is that the service must be disconnected from cards that the client no longer uses, since then unpleasant moments may appear. For example, charging service fees and so on.