Sberbank is the largest credit institution in Russia. Its branches are located throughout the country, and the majority of its customers are clients. Modern conditions even force such a large organization to introduce new technologies. This saves time and money for both customers and the bank. Therefore, recently a financial institution has been actively encouraging its customers to use services for remote cash management. Among them are Sberbank Online and Mobile Bank.
Description of the Mobile Bank service
For holders who have issued plastic cards of debit or credit type, the Mobile Bank service is available. Sberbank allows you to make payments and transfers in a convenient location, as well as receive information from the bank.
Sberbank gives the opportunity to use the following services to customers who have the Mobile Bank service active:
- payments by SMS-commands in favor of companies that have a corresponding agreement with a credit institution;
- transfers from card to card;
- notifications of operations on the card and in the Sberbank Online system;
- payment of loans;
- replenishment of a cell phone account via SMS;
- card management (blocking, information about limits).
Tariffs
Currently, two types of tariff plans are available for Sberbank customers. This is the "Mobile Bank": "Full Package" and "Economy". Their main difference is that in the plan "Economy" notifications on operations using a bank card are not included. In the service "Mobile Bank. Full Package" implies the provision of notifications at no additional charge.
There is no monthly fee for users who have connected the Economy tariff, and in the Mobile Bank. Full Package service, the cost (depending on the card option) can reach up to 60 rubles. Those who have a Gold card can use the "Full Package" for free, the owners of classic and standard cards will have to pay 60 rubles a month, and the holders of the simplest Visa Electron and Maestro cards - 30 rubles.
Service benefits
In the tariff plan of the Mobile Bank. Full Package service, Sberbank included several additional benefits that allow you to get information about the card at no extra charge. It:
- Information about the available balance on the card or free limit (for users of the "Economy" tariff, the cost is 5 rubles per request).
- A brief history of operations. It includes the last 5 operations. Unlike customers who have connected in the Mobile Bank. Full Package service, the service of which is available free of charge, for subscribers of the Economy tariff this operation costs 15 rubles for each sent request.
- Information about expense transactions. Most importantly, Sberbank sends notifications about operations with the card to those customers who have connected the “Full Package” service in the Mobile Bank service. This allows you to control consumption and increases the security of storing money in the account.
Customers who actively use the card are more likely to use the "Full" tariff. It allows you to always be aware of the availability of funds and transactions made in retail chains.
Activation of the "Mobile Bank"
Before activating the service, you must select the "Economy" or "Full package" tariff plan. After that, you can connect the Mobile Bank using the following possible methods:
- At the office of Sberbank. In any department, contacting an employee with a passport, you can connect or disconnect Mobile Bank, as well as change the tariff plan and receive any information on the product that interests you.
- Using the contact center. By calling the round-the-clock telephone of customer support of Sberbank 8 (800) 555 55 50, you can activate the Full Package service in the Mobile Bank service. It is worth remembering that an employee will need to provide a card number, series, number and date of issue of an identity document and a code word for identification.
- Through self-service devices. Terminals for the management of services and payments are available at all Sberbank offices. They also allow you to activate the Mobile Bank service.
Regardless of which Mobile Bank activation method was chosen, after connecting the service a notification will be sent via SMS. Sometimes the connection to the service is not performed immediately. This is normal practice. According to the regulations, the connection occurs within 3 business days.
It is worth paying attention : when you connect Sberbank Online, Mobile Bank will be automatically activated.
How to change the tariff of "Mobile Bank"?
There are situations when it is necessary to change the tariff plan of the Mobile Bank service. For example, in the absence of constant card transactions in the Mobile Bank service, the “Full Package” can be turned off to save money, leaving only a free tariff in case of need.
There are several ways to change your plan:
- Using SMS command. To switch to the "Economy" tariff plan, you can simply create a message with the text "ECONOM 1234" or "ECONOM 1234" and send it, indicating only three digits 900 in the recipient's number. The "Full package" tariff allows you to connect the Mobile Bank tariff by sending SMS -messages with the text "FULL 1234" or "POLNIYPAKET 1234", where instead of 1234 the last four digits of the card number are printed on the front side. A special confirmation code for the operation will be returned. It must be copied and sent by message to the same number.
- At the office of Sberbank. You can change the Mobile Bank tariff plan by visiting one of the branches of a credit organization. It will be required to present a passport, fill out and sign the necessary papers.
Refusal from the "Mobile Bank"
In some situations, it may be necessary to deactivate the Mobile Bank service. It should be understood that such an operation will cause a lot of inconvenience in the future when using the card on the Internet and working with the Sberbank Online service.
If the decision to disable Mobile Banking is final, then you can do this using several methods:
- With an ATM. It is enough to insert the card into the Sberbank device, enter the PIN code, go to the “Mobile Banking” section and select the “Disable” option. After that, the service will be deactivated.
- In the office. By contacting an employee in the office where an agreement was opened to open an account and a plastic card, you can completely abandon Mobile Bank. In this case, it will be necessary to submit an identity document and write a statement.
- Through the help desk. The operator of the round-the-clock contact center will also help, if necessary, draw up an application to deactivate the Mobile Bank service. At the same time, he will need the data of the card and the passport of its owner.
It is worth paying attention to: disconnection often does not occur immediately and may take up to 3 days. Therefore, do not immediately call technical support and demand an immediate operation. This is a normal situation and it fully complies with the regulations adopted by the bank.
How can I temporarily block the Mobile Bank?
A client of Sberbank may temporarily suspend the use of the Mobile Bank service. To do this, just send an SMS message to number 900, consisting of a simple command: “04”. The reverse inclusion of the service occurs with the help of SMS-message “05”.
It is important to remember : temporary blocking of "Mobile Bank" does not mean its complete shutdown. The subscription fee for using the "Full package" continues to be deducted from the account.
Payments
In the modern world, a person sorely lacks time for many important things. The main task of the Mobile Bank is precisely the ability to pay for services and goods anytime, anywhere. It is enough to use special SMS commands or an application for a mobile device, and all the necessary bills can be paid at a convenient time, for example, on the way to work.
"Mobile Bank" also allows using SMS-messages to make regular payments for communication or communal services, where the amount is indicated by the payee.
Card-to-card transfers
Another very convenient feature available to all customers who use Mobile Banking. Sberbank transfers funds from card to card only within a credit institution.
There are two ways to transfer funds:
- by card number;
- by phone number.
In cases where the recipient's card number is known, the transfer can be done by sending 900 SMS with the text “AAAA BBBB 5000 transfer” to the phone. Instead of AAAA, you must indicate the last 4 digits of your card, BBBB - the card number of the recipient, and 5000 - the amount of transfer.
The Mobile Bank (Sberbank) service also allows transferring from one card to another, knowing the recipient's phone number. In this case, the text of the message should be made in the following format: “transfer 9111111111 5000”, where instead of 9111111111 the recipient's phone number is indicated from ten digits without 8 or +7, and 5000 is replaced with the required amount. After that, the system will send an SMS with a confirmation code, as well as the name and surname of the recipient, it will be necessary to check all the data. If they are correct, then you need to send this code to the number 900.
Important ! Transferring money to the cardholder of another bank in this way will not work. To do this, use the Sberbank Online service or ATMs of a financial institution.
Sberbank "Mobile Bank" is a convenient service that allows you to save time without spending it visiting the office and standing in line at the cash desk. You can pay for a service or product with it at any place where there is a cellular signal, and you can top up your account at a convenient time by wire transfer or using ATMs that have a cash-in function. Another useful feature for many customers will be the ability to quickly block the card in case of loss or theft.