Today, more and more residents of our country prefer to store money not in a wallet, but on a card. The most popular is plastic from Sberbank, as it is the largest bank in Russia. "Visa Electron" is one of those varieties that is used by more than half of consumers from around the world.
Benefits of Bank Cards
The advantages of the treasured plastic have already been appreciated by many owners of this financial instrument. The Visa Electron card has a number of advantages:
- In order to open it, you will need a minimum of documents. Passport and application form, where you need to put your signature.
- Gaining access to funds on it at any time of the day or night.
- The ability to make purchases on the card in supermarkets and online stores.
- Favorable exchange rate of currency funds on the card.
- The ability to pay for communication services, utility bills, as well as transfer money from card to card.
- Use of such services as “Web-Bank”, “Mobile Bank”, “Sberbank-on-line @ yn”.
- If you lose your card, you do not lose money, they remain in your account.
- Bonuses and promotions that are held every quarter.
What you need to know about the Visa Electron card?
Take, for example, proposals from Sberbank in the Central Black Earth Region. This card is issued to all interested citizens who have reached the age of 14. Its validity period is 2 years. For the issue you have to pay 150 rubles. Moreover, there is no minimum initial payment. Your account will be serviced for free. The limit of funds that you can withdraw during the month is 1 million rubles. In addition, on the last business day of the year you will be charged 0.1% per annum.
Upon expiration of the validity period, the Visa Electron bank card requires a reissue. For this operation you must pay 90 rubles. The account on the reissued card will not change, but you will receive a new number and PIN code. In case of loss of a card, a fine of 30 rubles is foreseen.
"Visa Electron" is considered an entry-level card, but has a basic set of features. Often it is used as a salary.
The only negative can be called the fact that it is not always possible to use a card of this type abroad. This is due to the fact that any payment is agreed with the bank. Not every terminal has this capability. The same can be said about paying for purchases in online stores. Therefore, you need to pay attention to the logos of the cards that this or that trading service works with.
Paid operations on the Visa Electron card
Sberbank is the unified financial system of Russia, therefore, the conditions offered by it are almost the same everywhere. In the regions, there may be some differences in the proposals of the financial institution. Consider paid operations in the Central region. Along with free operations (for example, payment of a purchase or cash withdrawal in your city), there are paid operations.
These include:
- Transfer to a user card that is issued in another region. You will have to pay 1% of the amount. If you perform the same operation through an employee of Sberbank, it will cost more - 1.5%.
- Transfer from a Visa Electron card to a card of another bank - 1%. Through the operator, the same procedure will require 2%.
- Payment of utility bills through Sberbank Online - 1%. But when paying at the bank with the help of an employee, you will have to pay 2-3% for this.
Summing up, I want to share the good news. Sberbank began issuing electronic cards Visa Electron Momentum with the symbols of the Olympics in Sochi. Anyone who has reached the age of 14 can get it at any branch of the bank in a few minutes.